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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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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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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! -
I am a buyer's agent and just closed on a home and City Creek Mortgage was the lender. They were fantastic throughout the whole process! They took good care of my buyers, their processed everything smoothly and quickly, and as a real … More estate agent, they kept me informed along the way regarding what phase the loan was at and how things were progressing without my needing to reach out and keep after them. I would definitely recommend and work with them again.
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City Creek was so incredibly helpful for my Husband and I. We just bought our first home and the process was so easy and simple thanks to City Creek! Alexis was our go to person and she was amazing. When we went into underwriting Sefa was … More also incredible. They not only communicated with us but walked us through things. Highly recommend them!
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What an amazing experience! Alexis and Sefa were incredible to work with, their communication throughout the process was the best I'd ever experienced (this was my 9th mortgage), and they moved us through the process so quickly that … More most of our timeline was just waiting to close. These two were so helpful and positive that we will recommend them to our friends and will definitely use them again if needed. So very glad we chose City Creek Mortgage.
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Our experience with City Creek, and with Alexis and Sefa particularly, was outstanding. The process was smooth and fast and they helped us get the best possible rate while keeping the approval process on track. I strongly recommend them … More and City Creek to anybody looking to get a new mortgage or refinancing.
