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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."
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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 South State Street #100, Draper
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I’ve now used city Creek mortgage twice and I can’t imagine ever working with anyone else. Every person on that team is so thoughtful, proactive and professional. I felt like I was in good hands every step of the way and it made the house … More buying process nearly painless. I will definitely be working with them again and can’t sing their praises enough. Shout out especially to Sefa and Alexis - They are amazing.
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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!
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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 -
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! -
i was lucky enough to get to meet and work with Sefa and Alexis over at City creek mortgage. They were so professional while still making you feel like family. Any questions or concerns that came up they were both at the beck and call ready … More to answer as soon as they could, it made the whole process very fast and assuring.
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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
Utah First Time Home Buyer Grants & Programs