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Rural Housing Refinancing
- Are you looking for a no-money down loan and want to live in a rural area?
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Are you in a low or moderate income bracket?
The United States Department of Agriculture has created a single family housing program designed to provide homeownership opportunities for low to moderate income individuals and families who live in select rural areas.
Click here to see if the area you live in qualifies.
- Have you made payments on time for the past 12 months on your existing rural housing loan?
- Are you in a low or moderate income bracket?
- Do you want to lower your monthly payment by taking advantage of today’s low rates?
- Do you still meet adjusted income levels required to qualify since you purchased your home?
Homeowners who have a rural housing loan can take advantage of today’s lower interest rates by refinancing, quickly and efficiently. The new interest rate going into effect must be at least 1% or 100 basis points lower than your current interest rate.
This program is only good for 30-year term loans, and cannot be used for cash out. However, closing costs, lender fees, escrow account establishment and pre-paids can be included in the loan amount. Your property does not need to have a new appraisal to qualify for this loan program.
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! -
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!
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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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They were so great to work with! Marisol and Temara were supportive and always kept us up-to-date and informed. My wife and I are expecting our first child this year and because of City Creek we were able To find our perfect home to start … More growing, our family. Would absolutely recommend To anyone, not pushy and always made sure that we made a decision we are comfortable with
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Working with City Creek Mortgage on my mortgage refinance was an amazing experience from start to finish. Troy Norris, our mortgage officer, was incredibly knowledgeable, patient, and truly went above and beyond to make sure we understood … More every step of the process. His assistant, Marisol, was just as fantastic—she was always quick to respond, organized, and kept everything moving smoothly.
The communication from the entire team was outstanding. We were always kept in the loop, and any questions we had were answered quickly and clearly. What really stood out was how hard they worked to get us the best possible outcome—they were able to lower both our interest rate and our monthly payment, which made a huge difference for our family.
Even their title company was great to work with, making the closing process simple and stress-free. The whole experience felt seamless because everyone involved was professional, responsive, and genuinely cared about helping us.
I would absolutely recommend City Creek Mortgage to anyone looking for a lender that truly puts their clients first.
