Jump through less hoops when buying your home

You’re only 5 simple steps away from your new home.

Start with a Prequal Letter Start by seeing rates

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Purchase Process Overview

You just want this to be easy. With us, it is.

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!

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$5,000 Close-on-time Guarantee

Close on time or we write you a check for $5,000.

If your purchase loan application is approved by City Creek Mortgage on the original terms requested, we’re guaranteeing to close your loan by the date stated in the purchase contract. If we don’t close on the date we guaranteed and you meet all eligibility requirements, we’ll write you a check for $5,000.

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Trusted Partner Agents

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 recommend to our 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?

Affordability Calculator

See how much how you can afford

Get Price Range

Pre-qual Letter

Make your offer stronger with a pre-qual letter

Request Letter

Free Home Value Report

See your current or future home’s worth

Request Value Report

Second Opinion

Compare another company’s Loan Estimate

Show Comparison

Not sure which tool works best for you?

Chat with us

Benefits

The benefits of purchasing with City Creek Mortgage

Salary-Based Loan Officer

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.

$5,000 Close on Time Guarantee

No reason to sweat a tight closing deadline. We'll be ready to close on time.

Excellent Communication

Your home is important. We’re avalible about 15 hours a day, 7 days a week.

Low Rates & Closing Costs

We charge less. It really is that simple.

We know what we’re doing

We go above and beyond to create great experiences for our clients, here are some words to prove it.

“Thanks for all your work in financing our new home. I know it takes a bit more work and effort to get financing for the self-employed and we are happy that you stuck with us.”

Benjamin and Nalene Dunkley
“City Creek Mortgage and I go back 11 years. Mike and Tobi are the very best at what they do. They are the most honest and hard-working people I know. I challenge anyone to find a better mortgage company than City Creek Mortgage!!!! I could go on and on how fabulous Mike and Tobi are!!!”

Jodye Miller
“I love City Creek Mortgage because Mike was willing to share his time and talent to help Ben and me, even though it was not going to financially benefit him. Sharing his time and talent so willingly will always be fondly remembered and gratefully appreciated!”

Joani Shaver

Request a Prequalification Letter

2,523 people can’t be wrong

2,523 Reviews | Average 5/5

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