Purchase a Utah Home with Zero-Money Down

Qualified buyers receive up to $15,000 down payment assistance

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Down payment assistance available for income-eligible homebuyers
How borrowers can qualify?
To qualify, your household income needs to be at or below 80% of the Area Median Income (AMI) for the area where you're purchasing a property.
Step we take to save you Be at or below 80% of the area median income (AMI)
Step we take to save you Minimum 620 FICO score
Thousands of happy clients.
You can be one too.
  • “Mike Roberts and the staff at City Creek Mortgage is the absolute best! We have known Mike for years and he has helped us out more times than I would like to admit. I know that when I need help with a refinance I can go to Mike for help and advice. He is always professional and yet so friendly…and it doesn’t hurt that he is so handsome!!! We have nothing but the utmost respect for Mike and his team. Thanks Mike!”
    Cheryl Knott
  • “We loved our experience with City Creek Mortgage and have complete trust that we are in the best hands possible. What a great and satisfying mortgage experience! Wow! We have never said that before!”
    David and Gretchen Figge
  • “City Creek was the only company to actually stay in contact with us and they spent the time to fully explain what they have done and what to expect next.”
    Adam Bowers
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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 Salary-based loan officers
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Terms & Conditions

*Information subject to change. Certain restrictions apply. Subject to approval of borrower and investor guideline requirements. Down payment is provided as a 2nd lien against the subject property. 2nd lien bears a 0% interest rate and cannot exceed a $15,000 loan amount. 2nd lien has no minimum monthly payment requirements, a term of 360 months and is fully due as a balloon payment upon the occurrence of either a refinance of the 1st lien, payoff of the 1st lien or the final payment of the amortization schedule of the 1st lien. Borrower must qualify based on Home Possible® guidelines. Some exclusions may apply.

The principal, interest, and MI payment of a $350,000 30-year Fixed-Rate Loan at 6.75% and 97% loan-to-value (LTV) is $2270.09. The Annual Percentage Rate (APR) is 6.949% with estimated finance charges of $6,500. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 5/20/24. Subject to borrower approval. Some exclusions may apply.