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.

5.0 5-star ratings 2,486 Google Reviews

Buy a Home
The typical refi process is not great
You're not sure if you SHOULD refi or just pay extra on your loan
You're not sure if you SHOULD refi or just pay extra on your loan
You're worried you won't qualify
You're worried you won't qualify
You're not sure if your normal guy is giving you a good deal
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 confused why past refinances have taken so long
You're concerned about choosing the wrong loan
You're concerned about choosing the wrong loan
You don't know... what you don't know...
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.
Quotes "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
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Get an instant rate quote online, see your savings, and apply.

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Your loan officer will guide you in choosing the best loan for you.

Step 2 Upload documents
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Upload things like, ID, paystubs, bank statements, etc

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Your loan coordinator will submit your documents for lender review

Step 3 Final to-do’s
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Your lender will complete their review and send us a list of final to-do’s before closing.

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Your processor will work with you to finish open to-do’s. We may need more documents from you.

Step 4 Close on time
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Once we’ve competed that final to-do list, one of our closing specialists will help you schedule your closing.

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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 Access to instant refinance rate & fee quotes with no personal info Access to instant refinance rate & fee quotes with no personal info
Extended hours on weekdays & weekends Extended hours on weekdays & weekends Extended hours on weekdays & weekends
Local Market Expertise Local Market Expertise Local Market Expertise
Access to generate fee sheet, online, 24/7 Access to generate fee sheet, online, 24/7
No upfront appraisal or credit report fees No upfront appraisal or credit report fees
Salary-based loan officers Salary-based loan officers
Custom rate & closing cost analysis that saves you the most money Custom rate & closing cost analysis that saves you the most money
Close Happy Guarantee (when refinancing) Close Happy Guarantee (when refinancing)
⭐️⭐️⭐️⭐️⭐️ Google rating with thousands of reviews ⭐️⭐️⭐️⭐️⭐️  Google rating with thousands of reviews
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

Closing Day
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.
Tools & Quick Answers
Awesome Refinance Calculators

Have another mortgage question?

Chat with us
2,486 people can’t be wrong
5-star ratings 2,486 + Reviews

2,486 Reviews | Average 5/5

"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?
Step 1
Salary-Based Loan Officers
Your best mortgage doesn't include high-pressure, high-commission sales people.
Step 2
No Upfront Fees Ever.
Charging for appraisals or credit reports before you close? Nope. Not here.
Step 3
Close Happy Guarantee
No reason to sweat a tight closing deadline. We'll be ready to close on time.
Step 4
Low Rates & Closing Costs
We charge less. It really is that simple.
Helping Each Other
Frequently Asked Questions
Of course you have questions about your refinance. Let’s get you answers.
open question 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
open question 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
Start Saving Money Today
Meet your refinance goals and close happy.
Next Step: Continue to application