801-501-7950
Login
Check Rates Now
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 |
 |
|
| Open 7 days a week |
|
|
| No conflict of interest with the builder |
|
|
| ⭐️⭐️⭐️⭐️⭐️ Google with thousands of reviews |
|
|
| Salary-based loan officers that save you money |
|
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
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
-
We had a wonderful experience with City Creek Mortgage! Alexis and Sefa were professional, knowledgeable, and incredibly responsive throughout the entire mortgage process. They made everything easy to understand, answered all of our questions, … More and kept us informed every step of the way.
Their dedication and support made our home-buying experience smooth and stress-free. We truly appreciate everything they did for us and highly recommend City Creek Mortgage, especially Alexis and Sefa, to anyone looking for a reliable and caring mortgage team. Thank you! -
City Creek was honestly the best part of my first time home buying experience! Carlin and Devyn were both great to work with and answered all of my questions and kept me stress free. I loved the transparency and accuracy of their website, … More and it was so much easier to use then every other website I tried. The best part is, of all of the rates I shopped, theirs was also the lowest. When so many other things didn’t seem to go as smoothly as we wanted with our home buying experience, City Creek was patient and perfect the whole way through. Truly a great experience and I highly recommend them!
-
They are the best! I just got the keys of my home! Alexis Carter helped me in this process, she helped me educating me financially, how I could get best chances to be approved, she was communicative with me all the time, she was a great … More help for me because I’m not an US citizen and I had some issues and she could go over all of it and help me to overcome the issues. I cannot thank her enough for everything, and for the time she spent on helping me. She and her team are wonderful! I also thank Sefa for being an amazing loan processor and get everything done so fast, and of course everyone else in the team that made my dream happen.
City creek mortgage is the best! They do care about YOU! 💕 -
I had a great experience working with City Creek Mortgage for my home loan. Communication throughout the entire process was excellent—the team was proactive and kept me informed every step of the way. Thanks to their efficiency and hard … More work, we were even able to close more than a week early! I highly recommend their services to anyone looking for a smooth and professional mortgage experience.
-
They were so great to work with! Marisol and Temara were supportive and always kept us up-to-date and informed. My wife and I are expecting our first child this year and because of City Creek we were able To find our perfect home to start … More growing, our family. Would absolutely recommend To anyone, not pushy and always made sure that we made a decision we are comfortable with
-
Working with City Creek Mortgage on my mortgage refinance was an amazing experience from start to finish. Troy Norris, our mortgage officer, was incredibly knowledgeable, patient, and truly went above and beyond to make sure we understood … More every step of the process. His assistant, Marisol, was just as fantastic—she was always quick to respond, organized, and kept everything moving smoothly.
The communication from the entire team was outstanding. We were always kept in the loop, and any questions we had were answered quickly and clearly. What really stood out was how hard they worked to get us the best possible outcome—they were able to lower both our interest rate and our monthly payment, which made a huge difference for our family.
Even their title company was great to work with, making the closing process simple and stress-free. The whole experience felt seamless because everyone involved was professional, responsive, and genuinely cared about helping us.
I would absolutely recommend City Creek Mortgage to anyone looking for a lender that truly puts their clients first.
Utah First Time Home Buyer Grants & Programs