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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 South State Street #100, Draper
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I have nothing but good things to say about City Creek mortgage but especially Alexis and Sefa. I ended up being under contract three times. Had to back out twice because of inspection issues. The third time was a charm and I found my dream … More house and that's everything I wanted in a house. Alexis is so good to work with always getting back to me when I had questions or problems. I recommend City Creek to anyone looking to refinance or buy their first home. Thanks so much for all that you guys have done.
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I had a great experience working with Lexi Beiza on a recent transaction. From start to finish, he was proactive, communicative, and stayed ahead of every potential issue. As an agent, it’s such a relief to work with a lender who keeps … More the process moving and makes sure everyone stays informed.
He was always quick to respond, helpful with problem-solving, and just generally great to work with—friendly, professional, and on top of every detail. Everyone involved felt like we were in good hands the whole time. Looking forward to working together again! -
My recent experience with city Creek mortgage was the best borrowing experience I've ever had. Their attention to detail follow up was excellent. They kept me informed each step of the way, I never felt the need to follow up. I highly … More recommend their services. Respectfully, Paul Neff.
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We had an amazing experience with City Creek Mortgage! Their team was incredibly helpful, guiding us through the entire process with professionalism and care. Everything was smooth and stress-free, and they made sure we understood every … More step along the way. We truly appreciate their dedication and excellent customer service. Highly recommend them to anyone looking for a great mortgage experience!
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Our experience with City Creek Mortgage was nothing short of amazing. Devyn, Nicole and Lexi were beyond helpful in getting us along in the buying process—quick turnarounds and phenomenal service. We credit our offer being accepted to their … More ability to act fast and be diligent in taking all the necessary steps to get us closed on our home. 10/10!
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City Creek Mortgage was absolutely amazing to work with! Mike and his team went above and beyond to meet all of our mortgaging needs. They made the entire process smooth and stress-free, and we were even able to close quickly thanks to … More their efficiency.
I really appreciated how responsive they were; every question I had was answered thoroughly and in a timely manner. They never made me feel like I was asking too much, even when I was persistent with follow-ups. Their patience and professionalism meant so much to me.
I’ll definitely be working with them again in the future. We’re so grateful for the care and support they gave our little family!
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
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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
