Articles & Advice

Mortgage Mistakes

Avoid these mistakes to make your mortgage experience go as smoothly as possible.

Rates & Closing Costs

Save thousands by knowing how rates and closing costs affect each other.

Refinance Strategies

The more you understand about refinancing, the more you can save.

Shopping your Mortgage

Many mortgage companies fear that their clients will shop around – we encourage ours to.

Mortgage 101

Back to Basics.

Personal Finance

There’s no substitute for a good working knowledge of your finances.

All Articles

Featured Article, Mortgage 101, Mortgage Strategies / 11.06.2019

3 Steps to Refinance without Increasing Your Loan Balance

One of the most common questions I get is: How can I refinance my loan without increasing my principal balance? There are three things that go into establishing a loan amount: The principal balance on the existing loan – Which will also include any payoff fees they...

Mortgage 101, Mortgage Strategies, VA Loans / 08.11.2018

Basics on VA Loan Eligibility

A VA loan, or a mortgage backed by the Department of Veteran Affairs, can be an enormously beneficial part of buying a home for a veteran or their family. These loans come with lower interest rates than conventional loans and often no down payment, despite...

Personal Finance / 24.10.2018

Teaching Your Kids to Save

When it comes to growing money, time is your best friend. Unfortunately, the biggest problem most people who are saving for retirement face is that they start too late in life to achieve a comfortable retirement lifestyle. As a result, the cycle of beginning late...

City Creek Mortgage News / 16.10.2018

20th Anniversary 1998-2018

Happy 20th Birthday City Creek Mortgage Who would have guessed that a couple of kids who met in their teens would marry, build a business, and work together for over 20 years? Every statistic out there says it’s almost impossible—and they’re right! Some days, “hard” is...

City Creek Mortgage News / 04.10.2018

How Extra Mortgage Payments Benefit You

When it comes to paying down a mortgage, budgeting is a very important area for homebuyers. Failing to stay within a budget may risk missed payments or other issues that can reflect badly on their financial profile, while those who are diligent and disciplined will...

City Creek Mortgage News / 04.10.2018

Tips for Closing a Mortgage Quickly

As those who have been through it before can tell you, buying a home comes with a few basic processes. These processes naturally have expected time periods in which they’re completed, and while these can vary a bit within each situation, there’s a general range...

City Creek Mortgage News / 12.09.2018

Elements of a Mortgage Payment

At City Creek Mortgage, we’re here to help you understand all the basics of a given mortgage loan if you’re buying a home. This is one of the biggest financial commitments you’ll make in your entire life, and you need to have a clear picture...

City Creek Mortgage News / 12.09.2018

Down Payment Misconceptions Addressed

There are several important factors when it comes to getting a great mortgage for a new home or refinance, and one of the biggest is the down payment. While you obviously want to get the best mortgage rate possible, the amount you spend up front...

City Creek Mortgage News / 31.08.2018

My First Day Of School (again)

This year, I applied and was accepted into the Goldman Sachs 10,000 small business program. It was like getting an MBA in City Creek Mortgage from Babson College, which is ranked #1 in Entrepreneurship. The $20,000 cost was completely underwritten by Goldman Sachs and is...

Shop your Mortgage / 23.08.2018

The Over-Compensated Loan Officer

One of the greatest injustices of the mortgage industry is the high commission some loan officers receive for originating a home loan. In many cases, it equates to 1.5% (or more) of the total amount of the mortgage. That’s a $4,500 paycheck for closing a...