Stop overpaying on your mortgage

Discover how a simple refinance can cut your monthly payments and free up cash for what matters most

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.

Continue to Application

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
Extended hours on weekdays & weekends
Local Market Expertise
Access to generate fee sheet, online, 24/7
No upfront appraisal or credit report fees
Salary-based loan officers
Custom rate & closing cost analysis that saves you the most money
Close Happy Guarantee (when refinancing)
⭐️⭐️⭐️⭐️⭐️ 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

Tools & Quick Answers

Awesome Refinance Calculators

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See refinance rates in 45 seconds. No personal info required.

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