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Avoid the "Preferred Lender" and save thousands
With no upfront fees, some of the lowest rates available, and a salary-based team working 7 days a week, you’ll save money and time.
- No personal information required
- No upfront deposit for appraisal or credit report required
- Expect to save money
"They offered me the best rates out of 5 mortgage companies that I looked at. They guided me through the whole process and were available with any questions that I had. Most of all, they were so quick and efficient. If it weren’t for the tenant still in the house, we would’ve closed weeks sooner than expected. Highly recommend!!! I’ll be going with them when I purchase again."
Victoria N
Purchase Process Overview
5 Easy Steps to Save & Close Happy
Step 1
Get pre-qualified or pre-approved
Apply online or talk with a salary-based loan officer to see what you can afford
You get a pre-qualification letter or approval letter. It makes your offer stronger.
Get a discounted real estate agent if you’re not already working with one.
Step 2
Find a home & send us the contract
Once you find a home and your offer is accepted, you’ll upload your contract
Your loan officer will review and recommend the best loan for you
Step 3
Upload remaining documents
You’ll upload things like ID, paystubs, bank statements, etc.
Your loan coordinator will submit your documents for lender review
Step 4
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 5
Close on time
A closing specialist will reach out to you to schedule your closing.
On closing day, you’ll bring your ID, sign some documents and be on your way!
Why buy a home with anyone else?
| City Creek Mortgage | Preferred Lender | |
| Amazingly low rates |
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| Open 7 days a week |
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| No conflict of interest with the builder |
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| ⭐️⭐️⭐️⭐️⭐️ Google with thousands of reviews |
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| Salary-based loan officers that save you money |
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Get a City Creek Partner Agent
Are you currently working with a real estate agent you love?
Let’s Get Started
Great! Let's get you introduced to a City Creek approved agent who we would refer to our own family.
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Let’s Get Started
Perfect! They want you to close on time. Let your agent know we've put our money where our mouth is with our $5,000 close on time guarantee.
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Let's get you that
pre-qualification letter
pre-qualification letter
From Mortgage Mike
Why are City Creek's Rates So Low?
“Tobi & I both grew up in families with very limited resources. The typical mortgage process is expensive and hard. This is the last thing you should worry about. That's why we re-engineered the mortgage process to be easy and affordable."
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You’re buying a home, that’s great! Where are you in the process?
"This was probably the easiest process I have ever been through. I called around to compare all the rates and fees for a mortgage refinance and city Creek was by far the lowest on all accounts. I will definitely be using them for my next home loan too. All the staff was friendly and knew where to direct me when I had questions. The process actually happened extremely quick . No regrets here."
Matthey R
Cashout Refi in Saratoga Springs, UT
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
Most common and best option for big loan amounts.
Jumbo
Most common loan for buying a home. Best for most people.
VA
For veterans and their family. Thank you for your service.
FHA
Government program with more lenient loan requirements.
USDA
Specific government program for loans used in rural areas
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. 
Low Rates & Closing Costs
We charge less. It really is that simple. 
Frequently Asked Questions
Of course you have questions about buying a home. 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
Why isn’t my question here?That’s a great question. Whatever your question is, we can find an answer to it.
Chat with Us >
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
City Creek Mortgage
11910 South State Street #100, Draper
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City Creek Mortgage was absolutely amazing to work with! Mike and his team went above and beyond to meet all of our mortgaging needs. They made the entire process smooth and stress-free, and we were even able to close quickly thanks to … More their efficiency.
I really appreciated how responsive they were; every question I had was answered thoroughly and in a timely manner. They never made me feel like I was asking too much, even when I was persistent with follow-ups. Their patience and professionalism meant so much to me.
I’ll definitely be working with them again in the future. We’re so grateful for the care and support they gave our little family! -
We had an amazing experience with City Creek Mortgage! Their team was incredibly helpful, guiding us through the entire process with professionalism and care. Everything was smooth and stress-free, and they made sure we understood every … More step along the way. We truly appreciate their dedication and excellent customer service. Highly recommend them to anyone looking for a great mortgage experience!
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I am a buyer's agent and just closed on a home and City Creek Mortgage was the lender. They were fantastic throughout the whole process! They took good care of my buyers, their processed everything smoothly and quickly, and as a real … More estate agent, they kept me informed along the way regarding what phase the loan was at and how things were progressing without my needing to reach out and keep after them. I would definitely recommend and work with them again.
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City Creek was so incredibly helpful for my Husband and I. We just bought our first home and the process was so easy and simple thanks to City Creek! Alexis was our go to person and she was amazing. When we went into underwriting Sefa was … More also incredible. They not only communicated with us but walked us through things. Highly recommend them!
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Our experience with City Creek, and with Alexis and Sefa particularly, was outstanding. The process was smooth and fast and they helped us get the best possible rate while keeping the approval process on track. I strongly recommend them … More and City Creek to anybody looking to get a new mortgage or refinancing.
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Working with Alexis and Sefa has been a great experience. The whole process was fast and any questions we had were answered extremely quickly. They helped save us a lot of money monthly and with a great interest rate.
This is the third … More time we have used City Creek and have nothing but love for them and their services. Thanks again!
Utah First Time Home Buyer Grants & Programs