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SqrdMedia has partnered with us to get you access to instant quotes, below market interest rates on purchases and refinances, and a $500 Visa Gift Card at funding—just to name a few—all for free!

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  • No personal information required
  • No upfront deposit for appraisal or credit report required
  • Expect to save money
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Today’s Rates
30 Yr Conventional Fixed
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1.736 points See Rate Details Arrow What are mortgage points?
Purchasing mortgage points is essentially prepaying interest to the lender, which allows you to secure a lower interest rate for the life of the loan.

Not sure if you should pay points? Don’t worry. You don’t have to decide until a few days before closing.
5.625% See Rate Details Arrow Interest rates
This is the interest rate applied to your home loan, and directly affects your monthly payment. Locking in a competitive rate can help you save on interest, and make homeownership more affordable.
APR 5.823% See Rate Details Arrow APR: (Annual Percentage Rate)
The total cost of your mortgage, including interest, lender fees, and other charges. Since lenders can pick and choose what is included in this calculation, it’s not the best way to compare.
Lowest rate, highest upfront cost
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0.887 points
5.875%
APR 5.995%
Low rate with upfront cost
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-0.034 points
6.125%
APR 6.162%
Balanced rate and upfront costs
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-1.085 points
6.625%
APR 6.625%
Lowest upfront cost
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Rates as of October 30, 2025 See Rate Assumptions
Customize your rate in just 60 seconds
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What's Included
Free benefits for you.
Dollar Amount
$500 Visa Gift Card
Upon funding, you will receive a $500 Visa Gift Card
Percentage
Zero upfront & application fees.
It costs nothing for you to explore potential savings. With no application fees, you have nothing to lose!
Documents
Low interest rates & fees.
Lower rates means more money for each of you.
Fees
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
5-star experience
$5,000 close on time guarantee
Don’t want to miss that closing date? We get it! We guarantee to close your loan by the date stated in your contract. If we don’t, we’ll write you a check for $5,000.*

… Did we mention more happiness?

Customize your Rate in 60 seconds
What is it

What it is

An easier & cheaper way for you to buy, refinance, or sell a home.

Now, more than ever, we know you want to feel valued by your realtor. Because your realtor has opted-in to our Client Savings Program, you are eligible to receive mortgage and refinance reduction benefits. Thanks to your realtor, keep more of your hard-earned money in your pockets every month!

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Mortgage Tools & Answers
What you need no matter what you're looking for
Affordability Calculator
See how much how you can afford
Get Price Range
affordability calc
Pre-qual Letter
Make your offer stronger with a pre-qual letter
Request Letter
Contract
Free Home Value Report
See your current or future home’s worth
Request Value Report
Home Value Report
Second Opinion
Compare another company’s Loan Estimate
Show Comparison
Second Opinion
Find your best rate
See refinance rates in 45 seconds. No personal info required.
See Refi Rates
affordability calc
Free mortgage review
See how your current mortgage stacks up with your goals.
Start Review
prequalify
Digital loan officer
Rate timeline savings analysis (for nerds 🤓)
Analyze Best Rate
Compare your quote
Compare another company’s Loan Estimate
Compare Quotes
Second Opinion
Even More Benefits

Even More Benefits

Access to a personalized rate in under 30 seconds. Totally free.

In 30 seconds flat, you can calculate your personalized rate quotes with these included corporate perks discounts. Best part is, no personal information is required!

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Wondering what it's like working with us? We got you.
Testimonials
  • “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
  • “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
  • “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
  • “Honesty, integrity and excellence. Great team players. Able to see the big picture, fun to work with, willing to help others even if there may not be financial gain. Always open for new challenges and opportunities. That pretty much sums up my experience with City Creek Mortgage. I am honored to work with Tobi and Mike and know my clients will always be taken care of or referred to someone who is a better fit.”
    Lyndi Reed
    Keller Williams Agent
  • “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
2,789 people can’t be wrong
5-star ratings 2,789 + Reviews

2,789 Reviews | Average 5/5

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You're about to save time and money going with City Creek Mortgage.

With zero up-front fees, you can explore how this program can save you thousands. We'll walk you through every step of the way. Take advantage now!

Benefits Coming to You
$500 Visa Gift Card $500 Visa Gift Card
Below market interest rates & fees Below market interest rates & fees
Zero application fees Zero application fees
Zero up-front costs Zero up-front costs
5-star client experience 5-star client experience
$5,000 Close on time guarantee* $5,000 Close on time guarantee*