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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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We had a wonderful experience with City Creek Mortgage! Alexis and Sefa were professional, knowledgeable, and incredibly responsive throughout the entire mortgage process. They made everything easy to understand, answered all of our questions, … More and kept us informed every step of the way.
Their dedication and support made our home-buying experience smooth and stress-free. We truly appreciate everything they did for us and highly recommend City Creek Mortgage, especially Alexis and Sefa, to anyone looking for a reliable and caring mortgage team. Thank you! -
Our experience with City Creek Mortgage has always been phenomenal. They go above and beyond to make home buying simple and as stress free as possible. I’ve worked with Devyn, Alex and Lexi and they are all so professional and work so hard. … More They are always available to answer questions, I never had to wait long for a response. I appreciate their dedication to their work and recommend them highly.
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They are the best! I just got the keys of my home! Alexis Carter helped me in this process, she helped me educating me financially, how I could get best chances to be approved, she was communicative with me all the time, she was a great … More help for me because I’m not an US citizen and I had some issues and she could go over all of it and help me to overcome the issues. I cannot thank her enough for everything, and for the time she spent on helping me. She and her team are wonderful! I also thank Sefa for being an amazing loan processor and get everything done so fast, and of course everyone else in the team that made my dream happen.
City creek mortgage is the best! They do care about YOU! 💕 -
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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The entire team at City Creek mortgage was amazing! They got everything done quickly and painlessly. Got us the best deal we could find and were ultra responsive and helpful. Troy, Nicole, and Lexi are the best!
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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!
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
