Understand the process when doing your refinance

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

Show me the steps

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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.

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

Tools & Quick Answers

Looking for some simple answers?

Find your best rate

See refinance rates in 45 seconds. No personal info required.

affordability calc

Free mortgage review

See how your current mortgage stacks up with your goals.

prequalify

Digital loan officer

Rate timeline savings analysis (for nerds 🤓)

Analyze Best Rate

Compare your quote

Compare another company’s Loan Estimate

Have another loan question?

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

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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2,486 people can’t be wrong

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2,486 Reviews | Average 5/5

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