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.

Shopping your Mortgage

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

Personal Finance

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

All Articles

Personal Finance / 03.06.2016

Your credit score can impact you in a number of different ways. It will affect the interest rate you pay on your mortgage, your insurance premiums, as well as the cost of consumer loans. Having a clear understanding of credit scores and knowing how to...

Personal Finance / 03.06.2016

A mortgage is a tool that can either help or hinder your financial growth. In fact, a poorly structured mortgage has the potential of creating devastating financial implications, while a properly structured home loan can help provide financial peace and stability. Based on our research,...

Mortgage 101 / 03.06.2016

Buying a home is an emotional process. Oftentimes the emotions involved can overpower the logic needed to ensure that a financially responsible home within your price range is your final decision. Owning a home that has a payment that exceeds what will comfortably fit within...

Shop your Mortgage / 02.06.2016

I realize that the mortgage industry has created an environment where people feel they need to “shop” for the “best rate.” First of all, I want you to know that I guarantee that my team and I structure loans that will provide the lowest cost...

Shop your Mortgage / 02.06.2016

The traditional approach to choosing a mortgage advisor can be extremely dangerous and cost you tens of thousands of dollars over the life of a loan. A mortgage is no longer just a means to allow you to own a home. A mortgage is a tool...

Mortgage 101 / 02.06.2016

Within the attachments included in your loan strategy are your Fee Sheet, and Truth-In-Lending Disclosures. The calculations in the Federal Truth-In-Lending Disclosure are based upon estimates of your loan costs from your Fee Sheet. You will receive another form at the time of closing called...

Mortgage 101 / 02.06.2016

When determining the amount of money to put down on a home, we consider a few things including the amount required to qualify for the program, as well as alternatives to putting any excess money into the home as part of the down payment. Below...

Rates & Closing Costs / 02.06.2016

City Creek Mortgage has access to the lowest interest rates available in the country. However, this is a privilege that is only available to those considered as top tier borrowers. Furthermore, the loan process to obtain the lowest rate is often more difficult and time...

Mortgage Mistakes / 02.06.2016

Before and during the loan process many people make mistakes that may cost them their approval and the home of their dreams. To avoid this potential disappointment always follow these guidelines… Don’t change your job Don't quit your job Don't become self-employed Don’t move your bank...