Understand the process when doing your refinance

With only 4 steps, your refi just got a whole lot simplier.

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Refi Process Overview
You just want this to be easy. With us, it is.
Step 1 See our rates & apply online
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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
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This includes things like, ID, paystubs, bank statements, etc


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.


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.


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

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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
Low Rates & Closing Costs
We charge less. It really is that simple.
Step 4
Close Happy Guarantee
We have a unique process that people love
Helping Each Other
The proof is in the pudding
Our process creates a simple mortgage process, that saves money. Here are some words to prove it.
  • “I can’t say enough how much Deb and I appreciate everything you have done for us and we look forward to working with you in the near future.”
    Bruce and Debbie Snyder
  • “Mike and the team at City Creek have been taking care of my family for over ten years. We’ve never had a problem, and have appreciated all of the time and attention they have given us. I recently referred two friends to City Creek and they both commented about the great service. It’s nice to know my referral was a good one and that they were taken care of. Thank you City Creek Mortgage!.”
    Amy Mcneil
  • “City Creek Mortgage and I go back 11 years. Mike and Tobi are the very best at what they do. They are the most honest and hard-working people I know. I challenge anyone to find a better mortgage company than City Creek Mortgage!!!! I could go on and on how fabulous Mike and Tobi are!!!”
    Jodye Miller
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