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Saving on your refi just got easier
With no upfront fees, some of the lowest rates available, and a salary-based team working 7 days a week, you’ll be saving time and money.
- No personal information required
- No upfront deposit for appraisal or credit report required
- Expect to save money
The typical refi process is not great
You're not sure if you SHOULD refi or just pay extra on your loan
You're worried you won't qualify
You're not sure if your normal guy is giving you a good deal
You're confused why past refinances have taken so long
You're concerned about choosing the wrong loan
You don't know... what you don't know...
You deserve a refinance that fixes all of these problems. We've changed how refinances are done to close you quickly and save you money.
"Very impressed with City Creek Mortgage! I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. I was very pleased with how fast the refinance process took. We closed on our loan 13 days after we first made contact with them. There was no shortage of great communication and service in the process as well. I am truly amazed by how easy our process went. To Temara, Ivie, and Carlin, thank you for your great work!"
⭐⭐⭐⭐⭐ Phil D
Refinancing is Simple
4 Easy Steps to Save
Step 1
See our rates & apply online
Get an instant rate quote online, see your savings, and apply.
Your loan officer will guide you in choosing the best loan for you.
Step 2
Upload documents
Upload things like, ID, paystubs, bank statements, etc
Your loan coordinator will submit your documents for lender review
Step 3
Final to-do’s
Your lender will complete their review and send us a list of final to-do’s before closing.
Your processor will work with you to finish open to-do’s. We may need more documents from you.
Step 4
Close on time
Once we’ve competed that final to-do list, one of our closing specialists will help you schedule your closing.
On closing day, you’ll bring your ID, sign some documents and be on your way!
Why go anywhere else?
| City Creek Mortgage | Internet Mtg Co. | Typical Mtg Co. | |
| Access to instant refinance rate & fee quotes with no personal info |
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| Extended hours on weekdays & weekends |
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| Local Market Expertise |
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| Access to generate fee sheet, online, 24/7 |
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| No upfront appraisal or credit report fees |
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| Salary-based loan officers |
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| Custom rate & closing cost analysis that saves you the most money |
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| Close Happy Guarantee (when refinancing) |
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| ⭐️⭐️⭐️⭐️⭐️ Google rating with thousands of reviews |
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Why does City Creek save me money?
“Tobi & I both grew up in families with very limited resources. We understand that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The City Creek Family”
Mortgage Mike & Tobi - Founders
Close Happy Guarantee
You'll Close Happy. Guaranteed.
See why THOUSANDS of people rate us 5 stars on Google. You'll be happy knowing you’ve closed on time, saved the most money possible, and have the best rate possible.
City Creek Mortgage
11910 South State Street #100, Draper
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I’ve now used city Creek mortgage twice and I can’t imagine ever working with anyone else. Every person on that team is so thoughtful, proactive and professional. I felt like I was in good hands every step of the way and it made the house … More buying process nearly painless. I will definitely be working with them again and can’t sing their praises enough. Shout out especially to Sefa and Alexis - They are amazing.
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I had an excellent experience with City Creek Mortgage! Marisol was incredibly helpful and made the entire process seamless. Her communication was top-notch—she kept me informed every step of the way and answered all my questions promptly. … More I truly appreciated her professionalism and would absolutely work with her again in the future. Highly recommend City Creek Mortgage and Marisol for anyone looking for exceptional service!
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Recently closed on my home and The team at City Creek were the BEST ! Jordan, Marisol and there team had the process done and over in about 3 weeks, start to closing ! They were very professional and courteous, and made the experience hassle … More free. I would highly recommend City Creek and I will continue to work with them and expect to be working with them again !!!
Thanks City Creek! And a BIG shout out to Jordan and Marisol !!
Thank You -
City Creek Mortgage is simply outstanding! Troy, Nicole, and Marisol went above and beyond to make the entire process seamless and stress-free. Their professionalism, clear communication, and attention to detail were second to none.
If … More you’re looking for a trustworthy, knowledgeable, and efficient mortgage team I highly recommend City Creek Mortgage. Troy, Nicole, and Marisol are the dream team! -
i was lucky enough to get to meet and work with Sefa and Alexis over at City creek mortgage. They were so professional while still making you feel like family. Any questions or concerns that came up they were both at the beck and call ready … More to answer as soon as they could, it made the whole process very fast and assuring.
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I’m not usually one to write Google reviews, but I couldn’t pass up the opportunity to write one for Troy, Nicole, and Lexi at City Creek Mortgage. If you’re looking for a lender who will truly go to bat for you, Troy is the one to call—there’s … More no one else I’d recommend more.
I had a rough time during this home buying process, but Troy went above and beyond to support me through the process. He made sure that every step of the way, I had someone in my corner when things weren’t going right.
Before working with this team, I didn’t fully understand what it meant to be a lifelong customer, but they’ve earned my loyalty for life. The care, dedication, and effort they put into ensuring I got the best deal and felt supported were truly unmatched.
I’ll forever recommend City Creek to anyone who needs a lender. This team is the best, and I can’t thank them enough for everything they’ve done for me
Refinancing? Smart move! What are you hoping to do?
Lower rate & payment
Customize your rate and new payment in 45 seconds, with no personal info needed. No credit check either!
Pull out some cash
Put your equity to work. Pay off some debt, remodel your home, put some cash in your pocket, or fund your retirement
Pay off mortgage faster
Pay a whole lot less interest by refinancing to a shorter loan term.
"I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. We closed on our loan 13 days after we first made contact with them."
Phil D.
Cashout Refinance in St George, UT
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Benefits
What’s in it for me? Why should I choose City Creek?
Salary-Based Loan Officers
Your best mortgage doesn't include high-pressure, high-commission sales people. 
No Upfront Fees Ever.
Charging for appraisals or credit reports before you close? Nope. Not here. 
Close Happy Guarantee
No reason to sweat a tight closing deadline. We'll be ready to close on time. 
Low Rates & Closing Costs
We charge less. It really is that simple. 
Loan Types
Lots of options so you get what fits your life best.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Super Conforming
Increased loan amounts for a few specific counties
Jumbo
Most common and best option for larger loan amounts
VA
Special government program for veterans. Thank you for your service.
FHA
Government program with more lenient loan requirements.
USDA
Specific government program for loans used in rural areas
Frequently Asked Questions
Of course you have questions about your refinance. Let’s get you answers.
How much will my closing costs be?We believe in transparency. It depends on a few factors, like credit score, loan amount, and location. You can see an estimated closing cost using our Find Your Best Rate Tool. All without entering any personal information.
Find Your Best Rate
Is it really possible to do a loan without having to pay closing costs?YES! It is possible, and it can save you money.
How No Cost Loans Work
