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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."
See Purchase Rates
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 S State St #100, Draper
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We had the absolute best experience buying our first home with Marisol and Alex at City Creek! As first-time homebuyers, we had so many questions, and they guided us through every single step with patience, professionalism, and genuine … More care.
They made the entire process feel smooth and stress-free, always keeping us informed and making sure we felt confident in every decision. We truly felt supported from start to finish.
We are so grateful for their dedication and highly recommend Marisol and Alex to anyone looking to buy a home — especially first-time buyers! Thank you for helping us achieve such a big milestone! 🏡✨ -
It was great working with Alexis and Sefa at City Creek Mortgage. From start to finish, the team was incredibly patient and understanding of my situation. They were extremely helpful every step of the way and ultimately secured the best … More rate for me. The team made relocating from another state so easy. I highly recommend!
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City Creek Mortgage was great to work with. In particular, Alexis Carter and Sefa Gasu were the best! They made everything so easy to understand and were both so patient with us and our endless questions. They were very responsive by phone … More and email. They were also so fast! We would definitely work with them again!
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Thank you so much for helping me with my mortgage! Devyn and Stefa were very great to work with. They both made the entire process stress-free and quick start to finish. Everything was explained clearly and communication was great. I truly … More appreciate the time and effort put into making this such a positive experience. I highly recommend working with them! City creek mortgage is the best
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We had an excellent experience with City Creek Mortgage from start to finish. Sefa Gasu, Alexis Carter, and Ivie Carter were thorough, responsive, and professional every step of the way. They handled a complex file with clarity and care, … More kept communication tight, and helped us get to closing smoothly and confidently. Highly recommend their team.
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⭐️⭐️⭐️⭐️⭐️
We had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of … More questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We’re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home!
Utah First Time Home Buyer Grants & Programs