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.

Get a rate quote Apply Now

5.0 5-star ratings 2,523 Google Reviews

a group of people sitting around a table.
The typical home-buying process is broken
You're afraid you won't close on time
You're afraid you won't close on time
Your wondering if your agent's
Your wondering if your agent's "preferred lender" is giving you the best deal
You just want to close and move in
You just want to close and move in
You're not confident you'll qualify
You're not confident you'll qualify
You're concerned you'll pay THOUSANDS more than you should
You're concerned you'll pay THOUSANDS more than you should
You don't know... what you don't know
You don't know... what you don't know
Salary-Based Loan Officer
Salary-Based Loan Officer
You deserve better. Which is why we've built an easy home-buying experience to close you quickly and save you money.
Get Pre-qualified
Quotes "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
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Apply online or talk with a salary-based loan officer to see what you can afford

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You get a pre-qualification letter or approval letter. It makes your offer stronger.

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Get a discounted real estate agent if you’re not already working with one.

Contract
Step 2 Find a home & send us the contract
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Once you find a home and your offer is accepted, you’ll upload your contract

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Your loan officer will review and recommend the best loan for you

House Contract
Step 3 Upload remaining documents
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You’ll upload things like ID, paystubs, bank statements, etc.

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Your loan coordinator will submit your documents for lender review

Upload Documents
Step 4 Final to-do’s
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Your lender will complete their review and send us a list of final to-do’s before closing.

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Your processor will work with you to finish open to-do’s. We may need more documents from you.

Final Todo
Step 5 Close on time
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A closing specialist will reach out to you to schedule your closing.

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On closing day, you’ll bring your ID, sign some documents and be on your way!

Close on Time
Closing on Time
$5,000 Guarantee
Close on time or we pay you $5,000. No joke!
Don’t want to miss that closing date? We get it! We guarantee to close your loan by the date stated in your contract. If we don’t, we’ll write you a check for $5,000.*
See if you’re eligible Start my application
Why buy a home with anyone else?
City Creek Mortgage Preferred Lender
$5000 Close-on-time Guarantee for Purchases $5000 Close-on-time Guarantee for Purchases
Amazingly low rates Amazingly low rates
Open 7 days a week Open 7 days a week
No conflict of interest with the builder No conflict of interest with the builder
⭐️⭐️⭐️⭐️⭐️ Google with thousands of reviews ⭐️⭐️⭐️⭐️⭐️ Google with thousands of reviews
Salary-based loan officers that save you money Salary-based loan officers that save you money
Continue to Loan Process
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.
Back
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.
Back
Let's get you that
pre-qualification letter
a man and a woman sitting on a couch
Why does City Creek save me money?

“Tobi & I started our careers building homes. After seeing how much mortgage companies were overcharging our clients, we were disgusted. With my background in finance, we created City Creek Mortgage with the purpose of saving normal families thousands of dollars."

Mortgage Mike & Tobi - Founders

Tools & Quick Answers
Looking for some simple answers?
Affordability Calculator
See how much how you can afford
Get Price Range
affordability calc
Pre-qual Letter
Make your offer stronger with a pre-qual letter
Request Letter
Contract
Free Home Value Report
See your current or future home’s worth
Request Value Report
Home Value Report
Second Opinion
Compare another company’s Loan Estimate
Show Comparison
Second Opinion
Rates move constantly
Just want to keep tabs on rates? Easy.
Get rate updates
You’re buying a home, that’s great! Where are you in the process?
No Upfront fees
I’m shopping rates
Get a custom rate quote in 30 seconds, with no personal info needed
See rate options now
Conforming / Conventional
I’ve found my home
Congrats! Let's make sure you have a rate as great as your home.
See my rates now
Looking at Homes
I’m looking at homes
Get a pre-qualification letter to make your future offers bulletproof
Get pre-qual letter

Have a question?

Chat with us
"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
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Read about it
Super Conforming
Super Conforming
Most common and best option for big loan amounts.
Read about it
Jumbo Loan
Jumbo
Most common loan for buying a home. Best for most people.
Read about it
VA Loan
VA
For veterans and their family. Thank you for your service.
Read about it
FHA Loan
FHA
Government program with more lenient loan requirements.
Read about it
USDA Loan
USDA
Specific government program for loans used in rural areas
Read about it
Benefits
What’s in it for me? Why should I choose City Creek?
Step 1
Salary-Based Loan Officers
Your best mortgage doesn't include high-pressure, high-commission sales people.
Step 2
No Upfront Fees Ever.
Charging for appraisals or credit reports before you close? Nope. Not here.
Step 3
$5,000 Purchase Close-On-Time Guarantee
No reason to sweat a tight closing deadline. We'll be ready to close on time.
Step 4
Low Rates & Closing Costs
We charge less. It really is that simple.
Helping Each Other
Find Your Best Rate
Get your free rate quote before that home is off the market!
See my custom rate
Frequently Asked Questions
Of course you have questions about buying a home. Let’s get you answers.
open question 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
open question 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 >
open question 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
I have another question
2,523 people can’t be wrong
5-star ratings 2,523 + Reviews

2,523 Reviews | Average 5/5

Start Saving Money Today
The future just called. It said you should start your application.
Next Step: Continue to application