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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...

Personal Finance / 02.06.2016

As we approach the closing of your new home loan, I want to take this opportunity to let you know how much we appreciate you, and let you know that our goal is to continually add value to your life even outside of managing your...

Rates & Closing Costs / 02.06.2016

Unless your interest rate is locked, the interest rate that is stated on your application does not necessarily reflect the current market interest rates.  Because interest rates fluctuate from one day to the next (sometimes from one hour to the next), it is not possible...

Rates & Closing Costs / 02.06.2016

When structuring my client’s loans, I will typically recommend loan strategies with little if any closing costs.  Depending upon loan size and other factors, a no-cost loan may not be available.  However, a loan strategy where a significant portion of the closing costs are credited...

Uncategorized / 17.05.2016

You've made the decision to buy a home. This process can be both nerve-wracking and exciting, especially if it's your first time. You might not know what to expect and feeling uncertain. Most of your concerns can be put to rest once you do a...