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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 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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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! -
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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Working with Alexis and Sefa has been a great experience. The whole process was fast and any questions we had were answered extremely quickly. They helped save us a lot of money monthly and with a great interest rate.
This is the third … More time we have used City Creek and have nothing but love for them and their services. Thanks again! -
Alexis and Sefa were responsive, thorough, and efficient. They made sure everything was aligned for closing and actually got my paperwork through quicker than expected, opening the opportunity for an earlier closing date. I appreciate their … More attention to detail, friendly interactions, and willingness to explain.
