They can do what we do; they can even copy how we do it. However, they can never replicate our why. It is why we exist that makes us who we are.
-Mike and Tobi Roberts
Our culture is a reflection of our people. There is no other mortgage company in Utah like City Creek Mortgage. Many try to copy us.
As one of the most established mortgage companies in Salt Lake City, City Creek Mortgage is unique because of the individual gifts and talents that are brought together to create one large team. We do not have any independent or commission based mortgage loan officers. When you work with one of us, you get all of us.
There is something to be said about working with a team of individuals who are willing to sacrifice themselves for the sake of something bigger. A piece of our vision explains it best:
As a team, we have each other’s backs and protect the feelings, heart and soul of each member. There is a love and a bond we share. We are truly a tribe with common beliefs, values, and purpose, who stand together in good times and in bad. We are like family within our team and truly love and respect each member and value their uniqueness, gifts and personalities.
As you read the descriptions of each team member it is important to know that I personally wrote each one. I try to explain from my perspective their gifts, history, or the value they bring to the team. I hope you enjoy getting to know each of us better. We are grateful for the opportunity to work with you.
President & Founder
Certified Mortgage Advisor, NMLS ID 79053
President & Founder
Certified Mortgage Advisor, NMLS ID 79053
I remember as a young child knowing that I wanted to be a part of the financial service industry. As the son of a retired stock broker, I used to visit my dad’s office and was fascinated by the business. I had a dream that someday I would be a part of the financial world as well.
Working in all aspects of the construction industry through college, I eventually became a general contractor. Realizing that I was not following the direction that I had pre-set as a child, I decided it was time to get back to my original dream. So in December of 1996, I left the construction industry. With a newborn baby, no money and no plan, I set out in pursuit of my childhood dream.
With the support of a wife who believed in me, I scheduled meetings with the top financial planning firms in the valley. The first one I met with scheduled me a series of aptitude tests to see if I was cut out for the ups and downs of the financial industry. I passed with ease (thankfully…) and was offered a job. They were willing to pay me a salary, health insurance, and fantastic benefits. Although excited to have the opportunity I had dreamed of for most my life, something wasn’t right.
The day after I was offered the job, I made a list of all the industries I would consider devoting my career to. One of these turned out to be mortgage. Since I had never considered mortgage lending as a career option, I decided that I needed to research the industry. I actually took a college course while at Westminster College called ‘Real Estate Finance,’ in which I learned about all aspects of the business. This proved to be helpful later in life.
Since I had only a short time to make a decision on accepting the job I was offered, there was no time to waste. I jumped in my car and drove to an area in the Salt Lake Valley called Union Park, where many mortgage companies were located. The first company I walked into was First City Financial, a national mortgage company based out of Colorado. Sitting behind the receptionist desk was someone who later became an important person in my life, Jennifer Racine. As I walked in the office, I remember how nervous I was. I asked if the manager was in the office. He wasn’t, so I handed Jennifer my resume and asked if her manager would call me when he returned.
A couple hours later, I received a call from the manager, Jim Lyman. He graciously met with me that afternoon and gave me an introduction to how the mortgage business worked, and ultimately offered me a job.
I remember going home after the meeting and telling my wife about my experience that day and how I think this was the direction I wanted to take. She looked at me and reminded me that I would be giving up a stable salary for a 100% commission job. She told me that she believed in me either way and that she would support whatever I decided. I immediately called the financial planning company that was waiting for me to accept their job offer and told them thank you, but I’m going to pursue another path. They reminded me how many people were begging for the opportunity I was passing on. However, I had faith that I was making the right decision.
I worked for First City Mortgage from January of 1997 until I left in July of 1998 to start City Creek Mortgage. At the time, it was simple to start a mortgage company. With only a small investment, I opened the doors and hired our first employee. Our second employee turned out to be Jennifer Racine, who to this day is still a great friend and supporter of City Creek Mortgage.
When I look back on how things played out, I realize how amazingly protected I have been. As many small business owners can attest, there are times when running a business is absolutely terrifying, and other times when it is like standing on a cliff in a windstorm without a parachute. However, when you have a purpose that drives you, and a vision of how things can be, you just keep going.
Running this company is an honor and privilege that I am tremendously grateful for. I get to come to work every day with a group of committed people who not only believe in me, but also believe in our vision. Some of my greatest friendships are with those I work with. I wouldn’t trade this for anything.
CEO & Founder
If there is a ‘Women of Influence’ award for the mortgage industry, the title should be owned by Tobi. Not only does she own half of City Creek Mortgage, she is also the one who has had the greatest influence on the vision and values of this company.
From the beginning, Tobi has shed more blood, sweat and tears (this one for sure) than anyone. When our kids were young, she would bring them into the office while she met with our partners and helped run the business. She is truly an icon in this industry, and someone who is highly valued and respected.
One of my favorite stories about Tobi was when she and I were sitting around a table being interviewed on camera. She was asked a question about our mission and values. I remember her looking into the camera and saying:
“At the end of the day, we just want to be the most trusted, respected and loved mortgage company in Utah.”
I sat there in astonishment. The second the camera stopped rolling, I looked at her and said, “Write that down. You just nailed our mission statement.” By the next day, on the wall as you enter our office, those words were posted to remind us each day what we are fighting for. Today, those are more than just words to every member of our team. They are rules we live by.
I remember the first time I met Desire’e. It was February of 2004, and she pulled up for her initial interview with City Creek Mortgage driving a lifted Jeep wearing high heel shoes. I remember Tobi looked at her and said, “One thing doesn’t match the other, and I like it!” She couldn’t believe that this tiny girl could drive such a big Jeep. From that moment on, we knew she was meant to be a part of our long-term vision.
Desire’e is one of the most important people in my life. Not only does she run our sales team, but she is also the one I lean on to share in the responsibility of running City Creek along with me and Tobi. Her influence runs so deep that it is difficult to know where City Creek ends and Desire’e begins.
Developing a leadership team is one of the most important decisions a company makes. In the mortgage industry, the Operations role needs a leader who is knowledgeable, smart and not afraid to take on challenges. You could add all those qualities, add competitiveness, loyalty and many other wonderful skills, and there you have Jodi.
Jodi’s employment with City Creek Mortgage dates way back to 2008, the heart of the mortgage market melt-down. The company she was with fell under the intense pressure of the market. She came to us as a processor. It didn’t take long for us to recognize her special gifts and talents. Over time, she became our Processing Lead and is now the head of our Operations.
It’s difficult to explain what it’s like to work alongside of Jodi. She’s fast paced and has an extremely strong work ethic. Her high standards help us to maintain the quality and commitment to our Core Values within our team. She’s an exceptional leader and an even better human being. I thank my lucky stars each day to have her here at City Creek Mortgage.
NMLS ID 913654
Some people come into your life to be a part of something great. Alexis is one of those people to me.
I first met Alexis in 2004 when she was a rep for a mortgage lender we worked closely with. Over the years, we built a strong relationship. One summer day in 2011 she came to me and said she wanted to come along with us and be a part of our team. She is now a rock star on the sales team, and a heavily influential voice in the direction and vision of City Creek Mortgage.
Alexis recently sent Tobi a text message in which she stated that City Creek Mortgage is written on her heart. If she could only have seen the tears that welled up in Tobi’s eyes as she read that message, and the smile she created. Alexis is tattooed on City Creek’s heart. She means more to this company than we can ever verbally explain.
NMLS ID 694112
Jackie is like a unicorn; you never know they exist until you meet one.
I first met Jackie in early 2012 when she came in to meet with us. She was happily employed at a national bank where she held the honor of having the highest customer service awards in the state of Utah. Although not looking for a job, she was told by her cousin that she “Must” meet us and get to know who we are. The next day, I called and left her a message saying that I don’t know whether it is now, six months from now, or in 10 years, but I want her on our team. A number of months later, she joined our sales team.
In my years of working with Jackie, I have never once heard a complaint from her or about her. Everyone and I mean everyone, who works with Jackie adores her. She is one of the best things to ever happen to City Creek, and someone that means more to me than she will ever know.
NMLS ID 315301
Having a strong understanding of numbers is a critical skill for a Mortgage Planner. That’s why Troy’s day job of being a high school math teacher makes him the perfect candidate for our After Hours Sales Team.
Having two careers is something Troy has maintained for the past 18 years. When I learned of his skills and work schedule, I knew he would be the perfect fit to serve our clients and partners after hours and weekends. That is a time slot very few local lenders staff, but one that is in high demand for borrowers who are unable to make phone calls or meet during the day.
Upon meeting Troy, I immediately realized that he has a strong competitive side. Typically wearing something representing the University of Utah, he is clearly a loyal fan. He was raised in a competitive sports driven family and carried that passion into adulthood. He also coaches Jr. High baseball as well as basketball and follows many high school sports programs. If you ever need to speak with a Mortgage Planner after hours, or just want to chat about “The game”, Troy is your guy!
NMLS ID 314940
Pete’s history with City Creek Mortgage runs deep. We first met Pete through his wife, who was my loan processor many years back. At the time, Pete was a loan officer with a small company. He ended up coming on board our team and stayed for several years. When we transitioned the structure of our team in 2012, he ended up leaving for a few years. However, we are grateful to have him back!
In addition to his impeccable attention to detail, one of my favorite things about Pete is that he is an amazing guitar player. We’ve had team parties where Pete has entertained us with his skill and knowledge of every 1980’s rock song in the books. Just give him the name of a song, and I’m almost certain he’ll be able to play it for you.
Another one of my favorite things about Pete is his ability to make people laugh. He has a wicked sense of humor. The kicker is, sometimes you don’t even realize he’s being funny at the time. Then when you’re thinking about the conversation you had with him earlier in the day, you suddenly get the joke. Best thing ever is getting a good laugh even hours after talking with Pete. It’s like a gift that keeps on giving.
NMLS ID 15890085
Julz is a part of our Missouri team. She lives near a gorgeous lake that sits between St. Louis and Kansas City, called Lake of the Ozarks. Tobi and I spent a couple days on the lake and fell in love with its beauty and fun. It was a lake experience unlike any other that we have ever had. I can only imagine how cool it would be to have that experience most every day.
Julz and Andrea have been friends for a long time. So, when Andrea told her that she was planning on joining the City Creek Team, Julz didn’t hesitate to follow. The two of them work closely together and truly have a wonderful relationship.
In truth, at least at the time of this writing, I have never met Julz face to face. We are planning on have her come to Salt Lake City to visit. But so far, my interactions with her have only been over the phone. She seems to be a sincere and genuine person, who takes pride in her work. I look forward to getting to know her better in the months to come.
NMLS ID 342913 Branch ID 1775302
My first introduction to Andrea was at a coaching retreat we both attended in Costa Rica. We quickly became friends. At some point during that week, I made an entry in my journal stating that one day Andrea would be a part of our City Creek Family. It went on to describe the friendships she would share with Tobi and the other female leaders at City Creek. A few years later, this became a reality. Once again proving the power of a vision and having a written plan.
One day, I received a call from Andrea. She said that she had been thinking a lot recently and concluded that she belonged at City Creek Mortgage. Since she lives in Missouri, and we weren’t even licensed there at the time, my brain had to quickly formulate a plan. I told her that Tobi and I would love to come visit her and talk through how we could make this happen. After spending a few days there, we fell in love with the area and moved quickly to get our first branch in Missouri open.
When you meet Andrea, you can’t help but adore her. There is a trust that she builds quickly with people, where you just know that she will not let you down. Her strong work ethic and sincere concern for her clients is clear. I’m grateful for her friendship and beyond excited to see my written vision come to life.
Loan Officer Assistant
Branch ID 1775302
When Tobi and I first traveled to Missouri to discuss opening a branch, Andrea introduced me to Adriane. After spending a few minutes talking as a group, I pulled Andrea aside and told her that Adriane is a keeper and someone we would love to have on the City Creek Team. Andrea looked back and me with a smile and said, “I figured you’d say that.” From that moment, it was decided. She’s coming on board!
When Adriane and Andrea flew to Salt Lake City to meet our team, I had the privilege of spending a few days getting to know Adriane better. I find her to be one of the most sincere, talented and kind people I have ever met. She has a quiet strength to her that shows as humble confidence. She exemplifies what we look for in a team member at City Creek Mortgage.
Executive Assistant to Mike
NMLS ID 1563361
Taiya is unique soul. The two words that best describe Taiya are Loyalty and Family. In addition to having a wonderful family, she has been adopted into a couple of the families here at City Creek; mine included. Not only is she my assistant and a big part of both our sales and marketing teams, she is like a daughter to me.
Sometimes the greatest lessons and experiences happen when times are the hardest. I will never forget the day when our team was dealing with how to respond to a major slowdown that happened in our industry. The topic came up of how at least 75% of mortgage companies were laying off employees in reaction to the decrease in business. After the meeting, Taiya came up to me and said, “Please don’t ever lay me off. I promise, I will work for you for free. You don’t need to pay me if you can’t afford to.” I’m not sure that she will ever understand how powerful those words were to me. To hear someone so committed to a vision that they want to be a part of it regardless of personal reward is special gift.
NMLS ID 1445333
If you know Jordan, you know just how cool of a person he is. He’s sharp, hungry for growth and determined to succeed. All incredible skills I look for in an employee.
Jordan was raised up in the mortgage industry. His mom is a dear friend of City Creek Mortgage, and a true legend in this industry. Growing up, he couldn’t help but learn the ins and outs of mortgage loans. By the time he became an adult, the transition into the industry was the natural next step for him. When it came time, his mom suggested he work for the best mortgage company in Utah, City Creek Mortgage. The rest is history.
As the years have passed, Jordan has been working his way up in the mortgage industry. He is now a mortgage planner and is doing an exceptional job. Our clients love working with Jordan. He is passionate about helping people and committed to ensuring that each client has an exceptional experience.
There is something about the young generation that makes many of them unique. From my experience, many of them have strong work ethics, a sense of loyalty and a love for people that shines through in their personalities. Tory fits this mold perfectly.
Tory and Taiya have been close friends since they were in Jr. High School. Knowing how challenging it is to live up to Taiya’s professional expectations, when she suggested we hire Tory the decision was immediately made. Looking back, I can’t think of any other employee who has learned the industry and excelled in their position more quickly than she has. Tory is truly one of a kind and someone I’m grateful every day to have on the team.
Some people have a fiercely competitive side to them. This is the case with Jasmine. A desire to win, combined with an eagerness to always do what is right is one of the many gifts I see in her. She also happens to have a wildly funny sense of humor, which makes her exceptionally fun to work with. However, when she is working on a file, she is all in. Head down, earphones on and mind 100% focused on the task at hand. She is one of our greatest examples of strong work ethic on the team.
When Desire’e and I first interviewed Jasmine, we had one of the most interesting conversations we have had with a prospective employee. She looked at us and with a straight face said something like, “The company I worked with was constantly trying to mimic City Creek. So I had to ask myself – Why would I work for the imitation? I need to go work for the real thing.” Des and I looked at each other, nearly speechless. However, we didn’t have to say a thing. We knew she was already hired.
I was introduced to Cheyanne by Rail, a City Creek Mortgage employee. He brought Cheyanne as a guest to a concert in a suite sponsored by our company. After a ten-minute conversation, I pulled Rail aside and let him know how impressed I was with her. Since I knew it was a bit early for me to ask if she wanted a job, I just turned to her and told her to let me know if she was ever in the market to change careers. A number of months later, she joined our team.
Cheyanne is extremely coachable and loves to learn. Having no prior mortgage experience, she has quickly developed the knowledge needed to execute a challenging role in this industry. I have found this to be a consistent trait in team members that we’ve hired in her age bracket. With her strong work ethic, I look forward to seeing how she will develop within City Creek Mortgage.
I was first introduced to Ashley while attending a promotion for Alexis Carter’s Husband, Kelly. He works for the Salt Lake Fire Department, and was being promoted to Battalion Chief. Of course, the other BC’s were in attendance, along with their significant others. Sitting not too far from me was Ashley and her fiancé, Chris. When Alexis introduced me to Ashley, I was immediately impressed. She was warm, friendly and was an excellent communicator. So, when a few months down the road Alexis suggested we bring her in to join our team, I immediately gave my approval.
Since Alexis is as good as they come, working on her team requires people to be at the top of their game. Ashley immediately gained our respect when she showed her attention to detail and ability to learn quickly. It has been mentioned to me on several occasions that Ashley was the fastest on-boarding process we have experienced as a company. As you can imagine, that is quite the accomplishment.
City Creek is truly filled with exceptional people, and Ashley is one of them. I’m grateful to have her on our team.
Loan Processing Specialist
When you put out there that your mission is to be the most Trusted, Respected and Loved mortgage company in Utah, the universe seems to put people in your path that perfectly fit into the vision. Jessica fits this mold perfectly. Having her on our team makes us stronger. Her gift of connection brings our clients into our tribe and makes them Raving Fans. She cares deeply for others and fights to ensure that our clients have an exceptional mortgage experience.
Although before working for City Creek Mortgage I had never met Jessica, we found that we have many common connections. In fact, her closest friend was once my assistant many years back. Given how much I love and adore her best friend, the connection helped me to know the type of person Jessica is. Now that I know her better, my initial assumption was spot on. She’s an amazing girl!
Loan Processing Specialist
One of my favorite parts of working with my team is the interconnection members have with one another. Bailee worked along side one of my key employees when they both worked for another local lender. I would often hear stories of the “Legendary” Bailee, and how some day she needed to be a part of our family. So, when the opportunity presented itself, it was an astounding, YES! Although I had never met her before she started working for us, I felt as if we had been friends for years.
Bailee certainly lived up to her reputation. She is amazing at her role and has quickly risen as a leader in my eyes. She also has an incredible personality that makes her a lot of fun to work with. I’m grateful to have her a part of our City Creek Family.
The creative side of City Creek Mortgage is one of my favorite things we do. Steve is lead designer, and whom is responsible for many of the print design we do. As a man with a big heart, his passion and creativity create artwork that sometimes takes my breath away. He truly has a gift and is one of the most talented designers I have ever met.
If you’re lucky, you’ll earn a pet name while working at City Creek Mortgage. Steve was lovingly given the name, Scuba Steve, by one of the key leaders in our marketing team. If you haven’t seen the movie, Big Daddy, starting Adam Sandler, I’ve included a link to the Scuba Steve part. Haha!
Another key skill that makes a designer valuable is their ability to add insight into their work. Many designers just look for direction, not all of them actively contribute to improve ideas. Steve is constantly looking for ways for us to be better and making recommendations as we progress. As a business owner, this means a lot to me. Having collective brain power of many talented people is one of the key traits of success.
Loan Processing Specialist
As far as I can remember, there has only been one person in the entire history of City Creek Mortgage that has been hired within a few seconds of meeting them. Jen is this person.
I was referred to Jen by a mutual friend who I trust and adore. She has known Jen for many years and had the privilege of working alongside of her a while back. When I mentioned to my friend that Jen was coming in for an interview, without hesitation, she said to hire her. So, when Jen arrived, I politely shook her hand and told her that this was a formality. She has already been hired. There was a bit of a shocked look on her face. However, then it was like instant trust. With all pressure removed, we were able to enjoy a nice conversation and get to know each other before her first day of work.
I’m grateful for the advice that my friend gave me. Jen is exceptional at what she does, and a great fit for this team.
Client Care Associate
I’m not sure there is anyone who could say a bad thing about Shay. She makes me smile every time I see her. As one of the most joyful people I know, she has the gift of ‘authentic connection,’ which is one of the core traits we look for at City Creek Mortgage. This gift helps make her an amazing Office Administrator and lover of our clients. She can connect with any personality and brings out the best in people. She has up-leveled our commitment to customer service and has made a huge impact on those who get to work with her each day.
As a friend of Jasmine, we invited Shay to help us on a day our team was feeling overwhelmed. I remember walking into the office and she politely greeted me. Not sure she knew who I was, I remember how impressed I was with her kind demeanor. At that moment, I went back and told Desireè that she needed to hire Shay immediately. The rest, as they say, is history.
When we say that City Creek Mortgage is a family business, we mean it. Austin is my son, and the older of my two kids. Most people say he is the perfect combination of me and his mom, Tobi. He has similar features to both of us (mainly me), Tobi’s social skills, and my personality.
Being the son of two small business owners, Austin’s work history dates back to when he was about 5. He would help stuff envelopes and cut out marketing pieces, and even help with our client events. As an extremely poised communicator, Austin has no problem building relationships. He is a man of high integrity and about the best son a father could ask for.
Mikaela is my daughter, and of course, she has me completely wrapped. Like her brother, she started working for City Creek Mortgage at about 5 years old. She is the perfect combination of me and Tobi. She looks like the female replica of me, but she has her mom’s personality.
Just like her mom, Mikaela is a natural driver. Her ability to take charge and get things done is something that was clear from the time she was a baby. I always knew that she could take care of herself if needed. As her father, that brings me much comfort. I trust Mikaela completely, and know that she will always do what is right.
Moki is by far the naughtiest member of our team. After losing a dog back in 2003, I found Moki on an available pet website from a pet store in Denver. It was sort of like on-line dating, where you are choosing someone based on a picture and a short bio. However, with this being a pet, once you said yes, it was more than just a date; it was a long-term commitment.
Mortgage Moki, as we have affectionately branded her, has been a part of this team since the summer of 2003. Even with all of our client’s young kids chasing her around the office, and some even pulling her hair, she has never been anything other than the sweetest dog you will ever meet. I never thought I would own a small dog, and after her I likely never will again. However, outside of her sneaky habit of peeing when no one is watching her, she is as perfect a pet as anyone could ask for. She is loved and adored at City Creek, and truly lives a very charmed life.
Weston was initially referred to us by a local homebuilder who hired him to create his company website. I could tell immediately that he has immense talents with videography, photography and website creation. When he came in to interview, he showed us some of his work. We knew right then that we were dealing with a true professional artist.
Having Weston has greatly elevated our team. For example, he has the ability to capture the right moment when it happens. You see this gift when you watch him take photographs. Rather than let his finger quickly snap one photo after another, he patiently waits for the perfect moment, snaps the picture and tells you that’s all he needs. That is a skill that truly separates him from an average photographer. In addition, he is one of the most knowledgeable technical people I know. Although I understand very little about his area of expertise, I have great trust in his knowledge and abilities to perform.
Chief Heart Officer
NMLS ID 1036549
Of all of the positions here at City Creek Mortgage, the Chief Heart Officer role is among my favorite and there is no better person to fill this role than Jamie. Her primary goal is to feed the hearts and souls of our employees and help them to live more fulfilled and enjoyable lives. Since there is a unique recipe for each team member, this requires a deep connection with each person and the ability to listen, lead and influence them in alignment with his/her desired outcomes.
Jamie embodies the culture of City Creek Mortgage with every fiber of her being. She is a natural lover of people and brings the best out of every situation. Her gift of connection is clearly apparent upon first meeting her. Her competitive nature makes her deeply loyal and committed to whatever she sets out to accomplish.
I consider Jamie to be a close personal friend, trusted advisor and someone who carries out the values and vision of City Creek Mortgage. She makes us a stronger team and empowers us to grow in healthy and productive way. She’s a friend to everyone and a person we love and adore.
If you’d like to learn more about Jamie’s personality, it shines through in the videos that she does for City Creek Mortgage. Like this one:
Having someone to keep the path clear of most personal responsibilities is something I consider a gift. Jessica is that to me and my wife, Tobi. When we first started to search for the right candidate, our Chief Heart Officer sent us a text saying she had the perfect solution. It was her sister, Jess. Given that Jamie is one of the most valued people in our lives, that’s all it took. The job belonged to Jess if she wanted it.
There truly aren’t many people on this planet like Jess. However, the world needs many more. Like her sister, she has a huge heart and has an exceptional work ethic. Given that they come from an incredible family, it’s no surprise. Whether it be preparing a meal for our team, or helping us get ready for a client event, both their mom and dad are a huge help to City Creek Mortgage. The entire family is considered part of our tribe.
Jamie’s daughter affectionately calls Jess, Siri. Although I’m not sure of the history behind this, the name has stuck. Just know that if you ever hear us talk about Siri, chances are we aren’t referring to our phones. Rather, we are graciously referring to the one who helps us more than our phones ever could.
“If you are looking for a company you can trust for your first or next mortgage, you could turn to a company I trust: City Creek Mortgage.”
– Bill Gephardt
I trust them because I have investigated the background of this company, and the way they treat their customers. In fact, I can find absolutely no complaints whatsoever, official or unofficial. As a result, I am proud to endorse City Creek Mortgage, and declare the company Gephardt Approved.
This is a company that I find truly unique when it comes to their claim that they want to form lifetime relationships with their clients: They have client parties and get-togethers up to 4 times a year just to stay in touch. “We really are friends,” says partner and co-owner Mike Roberts. “This is our opportunity to stay connected with our clients. We can also monitor their financial situation, as life changes happen, and make suggestions to help them along the way.”
“Yes, we close mortgages, but we do so much more,” adds partner and co-owner Tobi Roberts. “If there is some small way that we can help our clients have a better life, make better financial decisions, have less stress, that’s what we hope to do. And our client events are just plain FUN!”
I have found that mortgage rates are competitive no matter where a customer turns. But at City Creek Mortgage, Mike and Tobi stress that a closing is just the beginning of the value they provide. They promise to review each mortgage at least once a year to see if the balance or payment can be improved. “And when we find something better, for those who qualify, we structure it so that there are NO CLOSING COSTS and the mortgage balance will not increase,” says Mike.
“City Creek Mortgage got started in 1998 after we were in the construction business,” says Tobi. “We found people were getting little financial direction and terrible advice. We saw a need, and wanted to be part of the solution. We decided then to be the most trusted, respected, and loved mortgage company in Utah.”
I went to one of City Creek Mortgage’s parties. Roughly 700 of their 2500 clients showed up. Clients worked hard to out-do each other’s praise of City Creek Mortgage.
“The party tells you the whole story, that they’ve got a bunch of fans out there,” says client of 3 years, Emily Ayre.
“That’s what makes us so different,” says Tobi. “Others provide a commodity, a mortgage. We learn about our clients’ needs so that we can provide personal advice and then build a trusted relationship for life.”
“I can’t guarantee that there won’t be turbulence in financing,” Mike told me. “But we can guide our clients through it. It’s not always an easy process any more, but you will close and we will always do what we promise. Money comes and goes. But, our reputation is more important than making money. That’s why we have never had an unresolved complaint. Never. We will ALWAYS step up to solve a problem,” he says.
Mike says sometimes he recommends that a person not get a mortgage right now. He says that once he analyzes a person’s total financial picture and finds that a hardship might develop, he shares that information with them. He will then recommend steps to be taken to improve their situation so they might get a mortgage in the near future.
“We are always there for our customers,” Mike says. “Sometimes it’s a loss of a job, an unexpected illness or even a death. In those situations, a mortgage is not even being considered. Sometimes they just need advice and options. We are honored to help!”
The lifetime relationship seems all important to Mike and Tobi. “We financially empower people and families year after year so that one day they can look back and be truly grateful for the relationship.”
So, there you go: City Creek Mortgage in Draper. Now you know what I know about the company. You know that the many clients I’ve talked to trust City Creek Mortgage. And you know that my independent investigation into the company found no problems, and no complaints.
Now you know why I trust the company, and why I am proud to endorse City Creek Mortgage and declare them Gephardt Approved.