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
a group of people sitting around a table.
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.

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

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

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.

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!

Why buy a home with anyone else?
City Creek Mortgage Preferred Lender
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
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
Tools & Quick Answers
Looking for some simple answers?
Rates move constantly
Just want to keep tabs on rates? Easy.
Get rate updates
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City Creek MortgageLoading
Loan Details
Fee Sheet
Analyze Rate
Rate:
6.49
%
Purpose
Purchase
Loan Term
30 Yr Fixed
Closing Costs
$
6506
Monthly P&I
$
2367.79
Loan Amount
$
375000
APR
6.607
%
See Rates →
monthly payment Monthly Payment:$
2,686.54
Principal & Interest
$
2367.79
Mortgage Insurance
$
0
Est. Taxes
$
234.38
Est. Insurance
$
84.38

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
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
Low Rates & Closing Costs
We charge less. It really is that simple.
Step 4
Helping Each Other
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

City Creek Mortgage IconCity Creek Mortgage

11910 South State Street #100, Draper

5.0 2,698 reviews

  • Avatar Cassandra Stetler
    I’m not usually one to write Google reviews, but I couldn’t pass up the opportunity to write one for Troy, Nicole, and Lexi at City Creek Mortgage. If you’re looking for a lender who will truly go to bat for you, Troy is the one to call—there’s … More no one else I’d recommend more.
    I had a rough time during this home buying process, but Troy went above and beyond to support me through the process. He made sure that every step of the way, I had someone in my corner when things weren’t going right.
    Before working with this team, I didn’t fully understand what it meant to be a lifelong customer, but they’ve earned my loyalty for life. The care, dedication, and effort they put into ensuring I got the best deal and felt supported were truly unmatched.
    I’ll forever recommend City Creek to anyone who needs a lender. This team is the best, and I can’t thank them enough for everything they’ve done for me
    ★★★★★ 2 months ago
  • Avatar J B
    I had an excellent experience with City Creek Mortgage! Marisol was incredibly helpful and made the entire process seamless. Her communication was top-notch—she kept me informed every step of the way and answered all my questions promptly. … More I truly appreciated her professionalism and would absolutely work with her again in the future. Highly recommend City Creek Mortgage and Marisol for anyone looking for exceptional service!
    ★★★★★ 2 months ago
  • Avatar scott holladay
    Recently closed on my home and The team at City Creek were the BEST ! Jordan, Marisol and there team had the process done and over in about 3 weeks, start to closing ! They were very professional and courteous, and made the experience hassle … More free. I would highly recommend City Creek and I will continue to work with them and expect to be working with them again !!!
    Thanks City Creek! And a BIG shout out to Jordan and Marisol !!
    Thank You
    ★★★★★ 6 months ago
  • Avatar Cody Roberts
    City Creek Mortgage is simply outstanding! Troy, Nicole, and Marisol went above and beyond to make the entire process seamless and stress-free. Their professionalism, clear communication, and attention to detail were second to none.
    If
    … More you’re looking for a trustworthy, knowledgeable, and efficient mortgage team I highly recommend City Creek Mortgage. Troy, Nicole, and Marisol are the dream team!
    ★★★★★ a month ago
  • Avatar Ashley Brooks
    The numbers and timeline that City Creek have us left us feeling skeptical like it was too good to be true but they delivered above and beyond!! We were shocked and so was our realtor. We couldn't be more grateful. We had tight timeline … More but it we a stress-free experience with City Creek. Shout out to Troy and Sefa!
    ★★★★★ in the last week
  • Avatar Kassandra Rivera
    I was recommended City Creek Mortgage by my dad, while I was in the process of looking for a home. They were absolutely amazing! Alexis and Sefa were both so attentive and helpful through out the whole process. They were there every step … More of the way answering every question I had and keeping me up to date with what needed to be done next. As a first time buyer, this made this exciting yet overwhelming process so smooth and easy for me. I would would highly recommend City Creek Mortgage to anyone looking to purchase a home. Thank you Sefa and Alexis!
    ★★★★★ 2 months ago

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