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Saving on your refi just got easier
With no upfront fees, some of the lowest rates available, and a salary-based team working 7 days a week, you’ll be saving time and money.
- No personal information required
- No upfront deposit for appraisal or credit report required
- Expect to save money
The typical refi process is not great
You're not sure if you SHOULD refi or just pay extra on your loan
You're worried you won't qualify
You're not sure if your normal guy is giving you a good deal
You're confused why past refinances have taken so long
You're concerned about choosing the wrong loan
You don't know... what you don't know...
You deserve a refinance that fixes all of these problems. We've changed how refinances are done to close you quickly and save you money.
"Very impressed with City Creek Mortgage! I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. I was very pleased with how fast the refinance process took. We closed on our loan 13 days after we first made contact with them. There was no shortage of great communication and service in the process as well. I am truly amazed by how easy our process went. To Temara, Ivie, and Carlin, thank you for your great work!"
⭐⭐⭐⭐⭐ Phil D
Refinancing is Simple
4 Easy Steps to Save
Step 1
See our rates & apply online
Get an instant rate quote online, see your savings, and apply.
Your loan officer will guide you in choosing the best loan for you.
Step 2
Upload documents
Upload things like, ID, paystubs, bank statements, etc
Your loan coordinator will submit your documents for lender review
Step 3
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 4
Close on time
Once we’ve competed that final to-do list, one of our closing specialists will help you schedule your closing.
On closing day, you’ll bring your ID, sign some documents and be on your way!
Why go anywhere else?
| City Creek Mortgage | Internet Mtg Co. | Typical Mtg Co. | |
| Access to instant refinance rate & fee quotes with no personal info |
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| Extended hours on weekdays & weekends |
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| Local Market Expertise |
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| Access to generate fee sheet, online, 24/7 |
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| No upfront appraisal or credit report fees |
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| Salary-based loan officers |
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| Custom rate & closing cost analysis that saves you the most money |
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| Close Happy Guarantee (when refinancing) |
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| ⭐️⭐️⭐️⭐️⭐️ Google rating with thousands of reviews |
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Why does City Creek save me money?
“Tobi & I both grew up in families with very limited resources. We understand that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The City Creek Family”
Mortgage Mike & Tobi - Founders
Close Happy Guarantee
You'll Close Happy. Guaranteed.
See why THOUSANDS of people rate us 5 stars on Google. You'll be happy knowing you’ve closed on time, saved the most money possible, and have the best rate possible.
City Creek Mortgage
11910 S State St #100, Draper
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They were so great to work with! Marisol and Temara were supportive and always kept us up-to-date and informed. My wife and I are expecting our first child this year and because of City Creek we were able To find our perfect home to start … More growing, our family. Would absolutely recommend To anyone, not pushy and always made sure that we made a decision we are comfortable with -
City Creek was honestly the best part of my first time home buying experience! Carlin and Devyn were both great to work with and answered all of my questions and kept me stress free. I loved the transparency and accuracy of their website, … More and it was so much easier to use then every other website I tried. The best part is, of all of the rates I shopped, theirs was also the lowest. When so many other things didn’t seem to go as smoothly as we wanted with our home buying experience, City Creek was patient and perfect the whole way through. Truly a great experience and I highly recommend them!
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I had a great experience working with City Creek Mortgage for my home loan. Communication throughout the entire process was excellent—the team was proactive and kept me informed every step of the way. Thanks to their efficiency and hard … More work, we were even able to close more than a week early! I highly recommend their services to anyone looking for a smooth and professional mortgage experience.
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Working with City Creek Mortgage on my mortgage refinance was an amazing experience from start to finish. Troy Norris, our mortgage officer, was incredibly knowledgeable, patient, and truly went above and beyond to make sure we understood … More every step of the process. His assistant, Marisol, was just as fantastic—she was always quick to respond, organized, and kept everything moving smoothly.
The communication from the entire team was outstanding. We were always kept in the loop, and any questions we had were answered quickly and clearly. What really stood out was how hard they worked to get us the best possible outcome—they were able to lower both our interest rate and our monthly payment, which made a huge difference for our family.
Even their title company was great to work with, making the closing process simple and stress-free. The whole experience felt seamless because everyone involved was professional, responsive, and genuinely cared about helping us.
I would absolutely recommend City Creek Mortgage to anyone looking for a lender that truly puts their clients first. -
We had a very positive experience with City Creek Motgage. Alexis and Sefa were easy to work with and listened to our concerns, fixed the issues that we had and made the whole process very smooth. We appreciate all that they did for us … More and will work with him in the future. We highly recommend them to anyone else looking for a mortgage.
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I am so happy to have City Creek Mortgage working on my home loan. Thank you so much to Alex, Marisol, Austin and everyone in the team to make the transaction went smoothly from the start to finish. Their rates and fees are very reasonable, … More I would definitely recommend and work with them again in the future.
Refinancing? Smart move! What are you hoping to do?
Lower rate & payment
Customize your rate and new payment in 45 seconds, with no personal info needed. No credit check either!
Pull out some cash
Put your equity to work. Pay off some debt, remodel your home, put some cash in your pocket, or fund your retirement
Pay off mortgage faster
Pay a whole lot less interest by refinancing to a shorter loan term.
"I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. We closed on our loan 13 days after we first made contact with them."
Phil D.
Cashout Refinance in St George, UT
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. 
Close Happy Guarantee
No reason to sweat a tight closing deadline. We'll be ready to close on time. 
Low Rates & Closing Costs
We charge less. It really is that simple. 
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
Increased loan amounts for a few specific counties
Jumbo
Most common and best option for larger loan amounts
VA
Special government program for veterans. Thank you for your service.
FHA
Government program with more lenient loan requirements.
USDA
Specific government program for loans used in rural areas
Frequently Asked Questions
Of course you have questions about your refinance. 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
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
