For veterans of the U.S. Armed Forces, current military service members, and surviving spouses, VA loans offer significant advantages when in the market for a home in Utah. VA loans are affordable mortgage options for people who have qualifying military service and for surviving spouses who can obtain aCertificate of Eligibility (COE). VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA) and allow people to qualify for an affordable mortgage even when their credit is not perfect.
What Are VA Loans?
VA loans are mortgage loans that are partially guaranteed by the U.S. Department of Veterans Affairs. Only military service members, veterans, and qualifying surviving spouses are eligible for VA loans. VA-backed mortgages offer the following unique advantages to eligible homebuyers:
No down payment
Can be transferred to other VA-eligible buyers
No mortgage insurance
Lower closing costs
Less stringent qualification standards than other mortgages
VA loans are issued by banks, credit unions, and private mortgage lenders and not directly by the VA. However, the VA sets the qualification guidelines for VA loans and determines which lenders can issue them. Since VA loans are backed by the VA, lenders face a lower risk of default and are likelier to approve mortgage applications.
Since VA loans do not meet the guidelines for conventional mortgages set by Freddie Mac and Fannie Mae, they are non-conforming loans. This means that eligible homebuyers can qualify more easily because of the VA’s more flexible credit requirements. As compared to conventional mortgages, VA loans offer several advantages, including lower rates of interest, easier borrowing requirements, and $0 down payments. The fees Utah lenders can charge at closing are capped at 1%, so these types of home loans might also have lower total closing costs. You also won’t have to pay monthly mortgage insurance, but you will likely need to pay an upfront funding fee.
Understanding the VA Funding Fee
The funding fee is the VA’s version of mortgage insurance, but it is a single payment rather than being paid monthly. It is an amount ranging from 1% to 3.6% of the loaned amount based on your down payment and the type of VA loan you are applying for. It is used to fund the guarantee provided by the VA.
InCircular 26-23-06, the VA announced a reduction in funding fees for certain VA loans that are closed on or after April 7, 2023. For comparison, the following rates will apply for purchase loans after that date:
Down payment – First use
Down payment – Second use
Funding fee percentage – First use
Funding fee percentage- second use
Less than 5%
Less than 5%
2.15%
3.3%
From 5% to less than 10%
From 5% to less than 10%
1.5%
1.5%
10% or higher
10% or higher
1.25%
1.25%
Other funding fee percentages apply to different types of VA loans.
VA Loan Types
The following are the different types of VA loans:
VA home purchase loan – VA-backed mortgage to purchase a home
VA jumbo loan – VA loan that is above the conforming loan limits
VA renovation loan – VA mortgage plus additional funds to renovate a home
VA cash-out refinance loan – VA loan used to convert the equity of a home into cash
VA rate or term refinance loan – Refinance loan for people who have non-VA loans and want to refinance into VA loans
VA interest rate reduction loan (VIRRL) – Refinance loan for people with existing VA loans who want to refinance to get a lower rate of interest
Who Qualifies for a VA Loan?
Not all military service members or spouses of veterans will qualify for a VA loan. The basic qualifications are explained below.
Served on active duty during wartime for a minimum of 90 consecutive days
Served on active duty during peacetime for a minimum of 181 consecutive days
In the Reserves or the National Guard and have served at least six years
In the National Guard or Reserves and served full-time duty underTitle 32 for at least 90 days with 30 days of consecutive service
Qualifications for Surviving Spouses of Veterans
Thesurviving spouses of veterans must be able to get a COE to show their lenders before they can get a VA loan. To get a COE, you will generally need to have remained unmarried and meet one of the following criteria:
The veteran spouse is missing in action; or
The veteran spouse is a prisoner of war; or
The veteran spouse was killed in the line of duty; or
The veteran spouse died from a service-connected disability, and the surviving spouse did not remarry; or
The veteran spouse was totally and permanently disabled and subsequently died, but the disability might or might not have been the cause of death.
Certificate of Eligibility for a VA Loan
To get a VA loan, you’ll need to get a Certificate of Eligibility (COE) from the VA. You canrequest a COE online by signing into VA.gov. If the VA already has the information it needs on file, it can automatically issue your COE. If it doesn’t, you’ll need to complete aRequest for a Certificate of Eligibility form and submit it to the VA.
If you need to submit a request, City Creek Mortgage can help you. You’ll need to have the following documents available to ask for a COE:
DD-214 for veterans
Statement of service signed by a commanding officer for an active service member that includes your name, date of birth, Social Security number (SSN), date of entry to service, any lost time, and the name of the commanding officer signing the form
DD-214 for former National Guard or Reserve member
Veteran’s DD-214 and a completed VA Form 1817 if receiving dependency and indemnity compensation (DIC) for a surviving spouse
Veteran’s DD-214 and a completedapplication for DIC if not receiving dependency and indemnity compensation plus the veteran’s death certificate and a copy of your marriage license as an unmarried surviving spouse
Getting Pre-Approved for a VA Loan
It’s important to get pre-approved for a VA loan so that you can present a stronger offer to a seller or agent for a home. Pre-approval for a VA loan is not the same thing as being approved, but it is a stronger indicator of your finances than a prequalification.
During the pre-approval process, your lender will take a close look at your eligibility, income, credit, and debts. The pre-approval process will involve the lender doing the following things:
1. Running a hard credit check
2. Asking active duty service members for a statement of service to verify income
3. Asking for employment verification documents, including W-2s and paystubs
4. Requesting verification of assets with bank statements, investment account statements, retirement statements, and others
5. Asking for your Social Security number and driver’s license number to verify identity
To prepare, take the following steps:
1. Pull your credit reports and credit score.
While VA loans have easier credit requirements, you still need to make sure you are in strong financial shape before you apply. You can get one free copy of each of your credit reports from the three major credit reporting bureaus, including Experian, Equifax, and Transunion, at annualcreditreports.com. Review your credit reports carefully, and challenge any inaccurate information.
You should also find out what your credit score is. Most lenders use FICO scores. If your credit score is low, take steps to try to improve it. You should also take a look at your debt-to-income (DTI) ratio and try to pay off some of your debts to lower your DTI.
2. Get Your COE
Once you’re satisfied with your credit, get a copy of your COE as described above. If you need help getting it, City Creek Mortgage can help you get a copy.
3. Gather Documents
Gather the following documents:
W-2s
Bank statements
Pay stubs
Proof of income and employment
Current driver’s license
Social Security card
4. Apply for Pre-Approval
Once your credit is squared away, and you’ve obtained your COE and gathered your documents, you can apply for preapproval for a VA loan with City Creek Mortgage. Once you are pre-approved, you can begin looking for a home.
How Much House Can I Afford With a VA Loan?
Getting an estimate of how much home you can afford is important when you’re preparing to apply for a VA loan. City Creek Mortgage offers afree home affordability calculator that you can use to estimate an affordable amount for a VA loan. You’ll need to enter your county, loan type, credit score, and down payment amount and then answer some basic questions. You will then receive an estimate of what loan amount you might qualify for.
Once you meet the service eligibility requirements, you’ll still need to meet the following minimum requirements to get approved for a Utah VA loan:
Employment – You will generally need to show steady employment for two or more years
Credit score – While the VA doesn’t have a minimum credit score, lenders will set their own. Many require minimum scores of 620, but it’s possible to get approved for a VA loan with a score as low as 500 to 619.
DTI ratio – The ratio of your debt to income should be 41% or lower unless you have sufficient residual income.
Loan limits – You won’t have loan limits if you have full entitlement, but you will if you have partial entitlement.
Residual income – You’ll need to meet the minimum required residual income left over after you’ve paid your monthly expenses based on your home’s location and family size.
Reserve funds – You might need to have reserve funds if certain circumstances apply, including separating from the military within the next 12 months, purchasing a multifamily property, or counting rental income as income to qualify for the VA loan.
Occupancy – You must live in the home you purchase with a VA loan.
Current on federal debt – If you have defaulted on federal loans, you’ll need to bring them current.
Home appraisal – You’ll need to get the home appraised by a VA-approved appraiser.
The VA also has the following minimum requirements for a home:
It must have enough space for cooking, living, sleeping, and sanitation
It must meet all local building codes
For homes in rural areas, they must have private road access
Water must be directed away from the home with the drainage system
It must have a sewage system in place
Positive Compensating Factors
If your application is on the edge, your lender can consider the following compensating factors to offset weaknesses:
Having a great credit history
Having little debt
Showing long-term employment
Receiving military benefits
Having a low DTI
Having significant cash on hand
Making a large down payment
Negative Compensating Factors
The following factors can hurt your VA loan application:
History of late payments
Recent bankruptcy
Recent foreclosure
Unpaid collections
Others
VA Loan Limits in Utah for 2024
Eligible service members and veterans who have full entitlement do not have home loan limits on mortgages of more than $144,000. If you havefull entitlement and default on your VA loan, the VA will pay the lender 25% of the loan amount.
To have full entitlement, you must meet one of the three following criteria:
You have never used your VA home benefit before; or
You fully repaid a previous VA loan and sold the home; or
You used your VA home benefit but had a short sale and then repaid the VA in full
If you have remaining entitlement, you will have a loan limit for a VA loan. You will be considered to have remaining entitlement if one of the following factors apply:
You’re still repaying an active VA loan; or
You fully repaid a previous VA loan and still retain ownership of the home; or
You refinanced a previous VA loan into a different type of mortgage and still own the home; or
You had a short sale with a previous VA loan and have not fully repaid the VA; or
You transferred the deed to the property back to the bank to avoid foreclosure on a previous VA loan (deed in lieu of foreclosure); or
You had a foreclosure on a VA loan in the past and didn’t repay the VA in full
If you have remaining entitlement, the VA will pay your lender up to 25% of the maximum county loan limits minus the amount of the entitlement you’ve already used.
The loan limits above are not the maximum amount you can borrow. Instead, they are the maximum amounts the VA will pay if you default on your mortgage.
If I Have Full Entitlement, Does That Mean I Can Get Any Size of Mortgage I Want?
If you have full entitlement, the VA won’t set a loan limit on your mortgage. However, your lender will still need to approve your loan application based on how much you can afford. Your lender will determine the amount you can afford based on your credit history, assets, and income.
Talk to a Loan Officer at City Creek Mortgage
If you are looking for a home and believe you might qualify for a VA loan, you should reach out to the mortgage professionals at City Creek Mortgage. We can help you understand whether a VA loan is the right choice for you or if there might be a different loan that would fit your circumstances better. Call us today to schedule an appointment at 801-501-7950/
We were very happy with the complete experience of getting our mortgage handled with Citi Creek Mortgage. From initial preapproval all the way through closing, they handled everything that came up very quickly and efficiently. We would… More definitely use them again.
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I have been working with City Creek Mortgage since the early 2000s and have done a handful of transactions with them over the past 20 years. They are always professional and wonderful to work with. I recently moved to Southern Utah, and… More Devyn and Robyn helped me with the financing of my new home. I like to be really involved with the process, and they were so patient with all of my questions, and always provided clear answers and valuable insights throughout the transaction. I highly recommend City Creek Mortgage!
City Creek is the only company we go to for refinancing our home. Robyn, Temara and Ivie were wonderful to work with and answered all of our questions quickly and with great confidence. They make a great team and are genuinely concerned… More with your personal and financial well-being.
Would highly recommend working with Devyn, Nicole and Robyn for any mortgage needs! They went above and beyond in every way, and they worked hard to tailor everything to my situation. They are extremely knowledgable and helpful, and keep… More you informed so that the whole experience is seamless! Will definitely be using them in the future for any mortgage needs!
We had a unique situation coming into the house buying experience and Devyn gave us the best option for us that other companies we spoke with never thought of. Robyn held our hand all along the way and I can’t thank both of them enough.… More It was a super fast process and they were so kind and helpful all along the way. I can’t recommend them enough. Thank you.
As a first time home buyer and I was very nervous going into the home buying process. the team at City Creek, especially Nicole, Sefa and Troy totally put my mind at ease and made me feel very confident in what I was doing.
I recommend… More City Creek to all those looking to purchase or refinance a home but especially first time home buyers.
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
I had an amazing experience with my City Creek team- Jordan, Marisol, and Nicole! They made the entire process smooth and easy. I needed close early and remotely due to travel and they made it happen without skipping a beat. I shopped around… More and City Creek was also able to get me the best rate with the lowest lender fees. Would definitely use them again and highly recommend to anyone!
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Troy and his team at City Creek were wonderful to work with. We were able to get a pre approval quickly and Troy was happy to take the time to explore various options to advise us on the pros and cons of each. After having our offer accepted,… More Sefa and Nicole were fantastic in keeping us in the loop and facilitated clear to close in 21 days. Wouldn’t hesitate to recommend them to friends and family and will definitely come back for refinances/other purchases.
Hands down the best mortgage company. I would recommend going to their homebuyer workshops that they hold for free. Very educational. Between Troy and Marisol my first home buying experience was almost effortless on my end because of these… More two. Thank you both for all your hard work and getting me and my family into our home .
Devyn and Robyn were very helpful answering any and all questions we had throughout the home buying process. They were quick to respond to texts, emails or phone calls. It was great working with them, and City Creek as a broker to get the… More best possible rate!
City creek mortgage has change our lives forever and made it so easy for us to accomplish our goals. Everyone here was so absolutely kind and had so much patience with all our questions. On top of it all I couldn’t believe how much they… More truly cared about what we wanted and had our best interest at heart and would t settle for less. Beyond blessed to have shared our experience with them and will never go anywhere else!!!
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We were hesitant to switch to a new lender. We couldn't have been happier we did. From the first call with Troy to the last congratulations call with Marisol we were in good hands! Troy did an amazing job being completely transparent… More and working to get us right where we needed to be. He bent over backwards to make sure we got the loan we wanted for our home. We saved thousands of dollars as well.
Marisol was always friendly and made us feel like she loved her job, which was taking care of us and ushering us towards closing.
We love our new home. Troy and Marisol even sent us a customized cutting board with our family name on it.
I would definitely recommend. This is the ultimate home loan experience.
Marisol has been amazing dealing with a refinance in the middle of a high conflict divorce. She was 100% transparent with me the whole time. She is honest and trustworthy. I truly appreciate her help and patience during the process! Thanks… More -M
City creek was great. We mainly worked with Jordan and Marisol and both were awesome! Very personable and were on top of things. The whole process was smooth and efficient.
Worked with Troy and Marisol and both were super helpful throughout closing process. Troy is very quick to respond and to talk through multiple scenarios that would work for our situation. Marisol was super helpful in assisting with the… More documentation. Lender kept asking for different documents and she was great at making it as easy as possible for myself. Definitely recommend.
Working with City Creek to buy our first house was an amazing experience. From start to finish was a very easy process and they genuinely cared for us throughout the entire thing. I will gladly refer anyone I know to work with City Creek… More Mortgage. Looking forward to buying the next one!
Wow! Where do I even begin with City Creek Mortgage? They didn’t just guide me through the mortgage process, they held my hand every step of the way. Thanks to Alexis, Nicole, & Ivie our first-time home buying experience was a breeze.… More Their communication & assurance was stellar, making us feel confident & supported throughout. Thank you City Creek team for being the best in this biz. I will never stop raving about you to all of my friends & family!
We had gone to them on a referral and the people that referred us were exactly right. They were honest and open with us. The two we worked with specifically were Robyn and Devyn. Both were so nice so understanding and were available very… More often. Didn’t have to wait very long for a callback if we had any questions and they didn’t answer the phone. They made everything make sense, they explained everything and were a joy to work with. Next time we have to buy home we are absolutely going back!
Such a smooth and easy process working with the team at City Creek Mortgage. I set out to obtain pre-approval with 3 different mortgage companies and Troy with City Creek was the first to respond with a detailed breakdown of potential costs… More involved and a detailed explanation of different financing options. Troy answered his phone whenever I had a question even when he shouldn’t have (on his days off). When the process moved to the final approval phase Sefa took over and the stellar communication didn’t stop. This group is highly proactive in helping clients get to the finish line. I would, and will recommend their services to anyone I know that is looking to get a home loan. And by the way, their closing costs were lower than the other two companies I investigated.
I was referred to Troy and the City Creek mortgage team from my brother who had found them after having a less than ideal experience with his mortgage. When I found myself in a similar situation, I reached out and after working with them… More I couldn’t imagine working with someone else - they were so proactive, positive, thoughtful and kind when it came to our interactions. They are clearly experienced and knew exactly how to navigate the challenging situations that we were dealt on a moments notice. I’m very thankful for Troy, Robyn, and Nicole. Their responsiveness and attention to detail was astounding!
I have been using the City Creek for the last 10 years and every experience has been amazing. I would to thank Robyn, Devyn and Nichole, having this team working tirelessly getting our mortgage needs taken care of without worry or stress.… More Professional, knowledgeable, and courteous. If you have any mortgage needs do yourself a favor and use City Creek Mortgage.
Fantastic transaction with Robyn and Devyn! I worked with them all the way from Florida and I would happily do it again. They took great care of my customers and made closing easily and seamless!
As a Mortgage Veteran of 26 years, good Loan Officers are few and far between. I was very pleased with Troy and Marisol of City Creek. Both were very communicative, kept me updated, and got the loan done in a very reasonable amount of time.… More Always kept their word and always worked efficiently, can't say enough for both of them! 5+ Stars!
Devyn & Robyn were wonderful to work with. They walked me through every step of the process and answered all my questions with patience and kindness. I would recommend City Creek Mortgage to anyone. Thank you again for helping me buy… More my first home! I couldn't have done it without your help!
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Amazing people to work with! Jordan and Marisol were prompt and professional with the whole loan process. They were patient with all my questions and concerns and did a great job at explaining things to me I didn’t understand. I highly… More recommend using City Creek Mortgage!
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Devyn and Robyn were amazing to work with and very professional. They were attentive and went the extra mile to help me. They made the loan and closing process very easy, practically holding my hand. I could not have moved forward without… More their help and guidance. I would totally recommend anyone interested in working with City Creek Mortgage to request working with these folks. Thank you Devyn and Robyn for everything!
Robyn Spencer has been a pleasure to work with. We had a complicated transaction with a lot of moving parts. She helped to navigate the best possible experience for our customer. I so appreciate how communicative and available she was… More throughout the process, for me and the customer, as well as her wealth of knowledge.
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Devyn has gone above and beyond her call of duty, and that is why I have chosen her over the "preferred lender" from our contractor. Devyn has always kept in touch with us. She called us out of the blue when rates were lower so we could lock at an incredible rate. She did the work for us, which is so refreshing when so much other stuff is going on during the building process.
Devyn has earned my business because of the time she has taken to ensure we are being taken care of. She did the homework for us. I wanted to let you know how great of an experience she has provided for my wife and I, in comparison to other lenders. I hope City Creek never loses that customer experience or the great rates you provide.
"X" was the "preferred" lender for the contracting company we were working with for the past year. Our contractor and "X" were offering an extra amount to close with them instead of other lenders. They have been good to work with but we had to initiate conversations. We had to set up meetings. We had to investigate rates ourselves and keep conversations going to make sure we were meeting deadlines. Even after all this work we did, their rates were still almost a full percent higher than City Creek. I would rather have someone like Devyn and City Creek that does the work for me, and puts the customer first, then receive some extra money from a "preferred lender".
As far as underwriters go, I wanted to give Robyn a shout out as well. We have talked with other underwriters. Robyn has been professional, extremely nice, and quick in her responses. Again, different from other lenders. The overall experience with City Creek has made us feel like an actual customer, and not just a number.
Kudos to the City Creek management style. It shows in their employees.
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Sefa and Alexis are literally the DREAM TEAM! I have been working with City Creek and Alexis for over a decade but they never cease to amaze me. Every transaction they are tenacious and relentless to make sure every single detail is handled… More perfectly. I honestly don't know why you would risk using any other lender. My most recent transaction I had the opportunity to work with sefa who was equally amazing as the rest of the team. Thanks Sefa and Alexis!!
Robyn Spencer and her team did a wonderful job on a purchase transaction we worked on together. They were responsive and on the ball. I am looking forward to the next one!
Robyn and Devyn were AMAZING and I am so grateful for them. I almost went with a company who was charging me exorbitant amounts for buy down credits etc. when I talked with city creek mortgage they got me a rate almost .5% lower and I didn’t… More have to pay for a single credit. They were there every step of the way always answering my questions. I was so stressed about my first time home buying process but once I found city creek all my nerves were eased. I have referred all of my friends and family to them because they were that good.
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We had a great experience working with City Creek Mortgage. We felt that Alexis, our Loan Officer, was working in our best interest and in the end we secured an interest rate that was lower than expected!
City Creek Mortgage is the only mortgage company we refer family and friends to. Sefa and Alexis were a delight to work with and were both extremely knowledgeable and professional. 5 star worthy for sure!
I worked with Devyn's team as they supported a loan for my first time home buyer. So great to work with this team! The communication was constant and clear. Looking forward to working with them again!
City Creek Mortgage has always been great to work with. We have used them for a mortgage loan and refinance and every experience has been great. Nicole and Troy helped with the most recent loan and they were both great.
City Creek Mortgage worked with my wife and I on our first home mortgage. Taylor and Sefa were great to work with. Taylor was able to answer all of my questions. We were in a situation where we needed to be diligent and close with a small… More window, they met all of our timelines. Best of all, they had the most competitive rate by far and no surprises or hidden language. I’m so glad we went with a small local business. Thank you.
I just closed on my first home and the process from beginning to end was very smooth. I assumed it would be hard stressful but it was the opposite. Jordan and Sefa were amazing! They kept me informed of everything that was going on and… More were quick with responding to any questions I had. I had a great experience, thank you!
From a REALTOR, Devyn & Robyn were amazing to work with. They took such great care of my clients' needs (and mine). The speed and communication was top notch as was the attention to detail. Also they were very affordable/competitive… More with costs/rates. Give them a try.
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Alexis and Taylor worked hard for us, and are so friendly! As first time home buyer’s, my husband and I had quite a few questions Alexis and Taylor were always happy to answer, we are so glad that we went with City Creek!
Pete, Sefa, and Ivie were incredible in their support throughout the entire process. They went above and beyond providing counsel and guidance. Thanks to their highly coordinated and diligent efforts we were able to rapidly move through… More the process. Highly impressed with the outstanding service. Strongly recommend!
Alexis is truly outstanding! I have utmost confidence in her ability to handle my clients' mortgage requirements, and she is my go-to person for all of my own mortgage needs. She is consistently accessible and swift in responding to… More any inquiries or worries. Working with Alexis and her team is an absolute delight. Without any reservations, I highly recommend her for all of your mortgage needs.
I can’t express how happy I am with Troy and his team! I have had 12 real estate transactions in my life so far and I have never used a mortgage company or real estate agent twice. I am used to being the one driving the process because… More the others couldn’t do their job. Troy was so helpful throughout the whole process, he even found me a real eater agent in Idaho that turned out to be the best real estate agent I have ever worked with. Troy, Nicole, and Sefa communicated with me regularly and I never once had to call them for an update. They also communicated with my real estate agent throughout the whole process as well. I will forever use these guys. I don’t know if everyone at City Creek is as good as Troy but you have to call him first. My loan was ready to go several days before closing. The process was so smooth and efficient.
Alexis and Carlin were awesome to work with! As a real estate agent, working with a client who is buying a home, one of the most important qualities a mortgage lender can have is to be a good communicator. Both Alexis and Carlin have… More this quality in spades.
Both the home buyer and myself were kept in the loop at all times, even off hours if necessary.
I am a fan.
Thanks again team!
City Creek Mortgage has the best rates, service and team. I price shopped (three separate quotes) and City Creek Mortgage won my business. My loan closed on time, and Alexis and Carlin were very responsive and communicative throughout… More the process. Thank you.
We can honestly provide a high recommendation for anyone that wants to work with City Creek Mortgage. We have been working with them since 1994 & we wouldn’t work with anyone else. Their teams are amazing! We most recently had the pleasure… More of working with Troy, Nicole & Carlin and again they were fantastic!!
The City Creek Mortgage team did a excellent job getting our Mortgage approved in a timely manner even when we had a change along the way . I can recommend this company to anyone. Thanks again for all your hard work.
City creek mortgage and their team were fantastic to work with. From beginning to end they made the whole process as smooth as possible. Devyn was super sweet to work with as she consistently provided updates and answered every single question… More I had. Christian would go above and beyond and send me documents that were urgent when needed whenever the assistants were out of office which I definitely appreciated! The assistants Carlin & Nichole were great and super friendly, they always kept us posted of our next steps and we’d never worry about anything being missed as they would stay constantly stay in touch. I would definitely recommend city creek mortgage for anyone who is looking to purchase a home. Thank you for making our dreams come true of owning a home. We couldn’t have done it without city creek Mortgage
When I first connected with City Creek Mortgage, the agent - Pete, took the time to explain all my options and how to best live forward. During the whole process everyone I worked with was friendly and extremely helpful which led to a smooth… More transaction.
This team has been phenomenal in helping me through the process as a first home-buyer. Clear and continuous communication. I never felt pressured or hustled and they helped me feel safe in asking lots of questions. I worked mainly with… More Jackie and Sefa and I have nothing but positive things to say about how well they helped me! 10/5 stars if I could.
The whole experience was great! Sefa, and Troy and the team at city creek made our refinance very easy. Sefa was awesome about keeping us updated on everything That was going on. Sefa made sure all the correct documents were gathered to… More make for an easy closing. Troy was always helpful with answering our questions, and made sure we were taken care of!
I had a great experience using City Creek Mortgage. I really felt like they were fighting for me to have the best rate and loan possible. They are super quick with responses and very friendly to work and talk with. I absolutely would recommend… More working with them.
I was so impressed. Buying a house can feel overwhelming but with City Creek I feel that all of that nervous energy was absorbed, changed to positive energy and given right back to us to move forward with confidence and encouragement.… More I was nervous at first and I expressed that I may need a little more frequent contact to get updates so that I was not sweating it out on our purchase. They happily obliged and called me not only when things are moving but when we were in a holding pattern as well. This helped me navigate a process that I don't go through often. Thanks Alexis and Taylor for making this a painless process.
I recently had the pleasure of working with the outstanding team at City Creek Mortgage, specifically Devyn, Nicole, and Carlin, who made my mortgage process an absolute breeze. From start to finish, their professionalism, expertise, and… More unwavering dedication were truly remarkable!
They each played an invaluable role in ensuring that my mortgage journey was smooth and stress-free. They demonstrated exceptional knowledge of the industry, providing me with the guidance and support I needed to make informed decisions. Their expertise was evident as they effortlessly navigated the complexities of the mortgage process, answering all my questions and addressing any concerns I had along the way.
Not only were they highly skilled, but they were also incredibly responsive and attentive. Devyn, Nicole, and Carlin were always there to promptly assist me with any queries or clarifications, making me feel like a priority throughout the entire process. (Even over the July 4th weekend!)
Their friendly and approachable demeanor made the entire experience enjoyable.
Thank you all for your outstanding service!
I had a great experience as a real estate agent working with Alexis and her team. She had great communication and got my client’s a sweet deal on their interest rate. Everything went smoothly as expected. Will be using City Creek again.… More 5 stars
Let me tell you, these guys are amazing. I am self employed and my past experience when applying for a home loan or any kind of a loan has always been hard and sometimes I have questioned why I put myself through this again, but for the… More first time ever, this home loan went pretty smooth. I love how city creek is with you every step of the way. From start to finish, it took less than 3 weeks to close and fund my loan. I give them 5 stars.
Troy was literally an answer to prayer! We had been given a much higher interest rate quote by another company when we saw City Creek’s billboard. We decided to give it a shot so I messaged them and they were super responsive. Troy and… More his team were honest, thorough, and managed to get us a much lower rate! We are so grateful and would recommend them to anyone!Troy was literally an answer to prayer! We had been given a much higher interest rate quote by another company when we saw City Creek’s billboard. We decided to give it a shot so I messaged them and they were super responsive. Troy and his …More
Devyn and Sefa were so amazing to work with on our refinance. Being business owners, these things can be tricky, and they made the process so seamless. Would recommend them to anyone!
I worked with Alexis and Taylor and they were friendly and efficient. They were happy to answer all my questions and got us to closing without any concerns. I was also very pleased that given my unique income situation Alexis was willing… More to advocate for me with the underwriter and get me approved. City Creek's rate was very competitive, and even though it wasn't the very lowest I chose them because of their approach and service.I worked with Alexis and Taylor and they were friendly and efficient. They were happy to answer all my questions and got us to closing without any concerns. I was also very pleased that given my unique income situation Alexis was willing to …More
Jackie Freeman provided excellent service and stellar communication. She was able to close our loan very quickly. I highly recommend her for your mortgage loan!
We were using a different lender previously and did not trust them to get the mortgage done quickly and honestly, so we decided to look at other options and City Creek saved us. They got us a much lower interest rate and we were still able… More to close in two weeks. This is my 3rd mortgage and I can easily say that City Creek is by far the best and I won't use anyone else moving forward.We were using a different lender previously and did not trust them to get the mortgage done quickly and honestly, so we decided to look at other options and City Creek saved us. They got us a much lower interest rate and we were still able …More
I first want to say my experience with City Creek Mortgage has been nothing less than exceptional. I worked with Devyn, Nicole and Carlin and from start to finish they were absolutely amazing. Any questions I had they were quick to answer,… More and they were great at explaining the process and steps and where were sitting and what to expect next. I can’t speak highly enough of them.I first want to say my experience with City Creek Mortgage has been nothing less than exceptional. I worked with Devyn, Nicole and Carlin and from start to finish they were absolutely amazing. Any questions I had they were quick to answer, …More
Jordan and Taylor at City Creek were fantastic to work with on our mortgage. They were extremely professional, on the ball and had excellent communication throughout the whole process. We had a few ups and downs as we were trying to sell… More our home and they were super helpful. And to top it off they got us a great rate with excellent terms on our new home!
I’d highly recommend them and City Creek!
Bottom line: City Creek was $6,533 less when I checked their rates online than what my normal guy quoted me. I closed a few weeks later and was absolutely floored they saved me so much.
I’m a finance professional so shopping around for… More the best price is part of who I am, especially when financing a property. For my last mortgage, I shopped around and found what I thought was a great price. So for this property I got a quote from that same mortgage company and was planning to close with them.
But I also decided to check out City Creek Mortgage. I had seen their billboards advertising rates but hadn't ever priced them out. So I used their rate search tool online which gave me everything I needed to compare apples to apples to the other quote (multiple rate options, various closing cost options, etc. all without talking to anyone).
City Creek's rate was much lower - so much lower I would have had to have paid more than $6K to the other guy to buy his rate down enough to match City Creek's. I'll never know how much of that difference was his commission, but that's way too much money to throw away. After hearing Alexis tell me she was salary-based, it all clicked. That's probably where a big portion of the savings came from.
I wish I would have tested out City Creek's rates sooner, they’re the real deal.
Working with Taylor and Alexis over at City Creek was a breath of fresh air. I like to think that I did my due diligence during the research phase of purchasing a home and assessing mortgage lenders, and ran into all types of personalities… More along the way. In such a high-stress and volatile market (seller's market turned buyer's market, turned recession H2 2022) I realized that predictability and professionalism, which lead to transparency and timely communication, were the most important characteristics for me during this transaction - which City Creek nailed.I'd highly recommend anybody to work with them, and I'll refer them to anyone who asks me they should reach out to in the future.Working with Taylor and Alexis over at City Creek was a breath of fresh air. I like to think that I did my due diligence during the research phase of purchasing a home and assessing mortgage lenders, and ran into all types of personalities …More
Really impressed with City Creek. This is our second loan with them and we were shopping around for mortgages (wanting to be sure) and Alexis and Taylor were fantastic in helping us in easing our nerves, getting a great rate, and providing… More consistent updates in the process. Highly recommend. They took great care of us.
Alexis and Taylor were very nice to work with. They were responsive, and answered all my questions. I spent some time shopping around with various loan agencies and this group was my favorite. They were especially helpful for a first time… More home buyer - I didn't know anything, and they walked me through it step by step.
My wife and I had the pleasure of working with Taylor and Alexis at City Creek Mortgage and we are so happy we did! They were so kind, energetic, and professional through the whole process! They worked quickly and kept us updated at every… More point. They were quick to respond to questions and made sure we knew exactly what we were signing up for with the figures and paperwork. We would highly recommend them and can't wait to work with them more in the future!
I cannot say enough great things about my experience with Troy, Ivie and Carlin! Getting a mortgage at this time in the housing market can be very frustrating and discouraging with rates but they each made the process so much easier and… More minimal stress for me.
I was originally referred to my builder's "preferred lender" but wanted to shop around for rates. My builder was offering thousands in incentives towards closing costs with their lender, but I was impressed with the amount of 5 star reviews for City Creek and thought I'd see what they could offer. Troy and his team were able to secure a lower rate and lower closing costs even without the incentive money from the builder!
Troy and Ivie worked hard to think outside the box for my unique situation and Carlin worked so hard to get all the documents done in time. We even bumped up our closing date a week and Carlin was still able to get it all done without any delays! When we were at closing, even the title officer commented how much she appreciated how easy it was for her to work with Carlin on their end.
All of them had great communication through the entire process and their customer service is top-notch! I am so grateful to each of them for all that they were able to do for me and I look forward to working with them again in the future!
Highly recommend Jordan and Taylor at City Creek Mortgage. I was in the market to purchase a home and was trying to figure out which lender to use. The billboards are what drew me in and made me give them a call and I’m very glad I did.… More They were very quick and proficient at their jobs. They were transparent at providing me numbers and information. Best of all, they were able to secure the lowest rate at the lowest closing costs as well. I applied and shopped with 4 other lenders and from the very start I knew I was going to go with City Creek Mortgage simply due to their professionalism and excellent customer service. Thank you again Jordan and Taylor. I will definitely refer anyone I know in the market to you guys. In the future, you will be my Go-To for any mortgage lending needs.
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