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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’ve now used city Creek mortgage twice and I can’t imagine ever working with anyone else. Every person on that team is so thoughtful, proactive and professional. I felt like I was in good hands every step of the way and it made the house … More buying process nearly painless. I will definitely be working with them again and can’t sing their praises enough. Shout out especially to Sefa and Alexis - They are amazing.
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I had an excellent experience with City Creek Mortgage! Marisol was incredibly helpful and made the entire process seamless. Her communication was top-notch—she kept me informed every step of the way and answered all my questions promptly. … More I truly appreciated her professionalism and would absolutely work with her again in the future. Highly recommend City Creek Mortgage and Marisol for anyone looking for exceptional service!
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Recently closed on my home and The team at City Creek were the BEST ! Jordan, Marisol and there team had the process done and over in about 3 weeks, start to closing ! They were very professional and courteous, and made the experience hassle … More free. I would highly recommend City Creek and I will continue to work with them and expect to be working with them again !!!
Thanks City Creek! And a BIG shout out to Jordan and Marisol !!
Thank You -
City Creek Mortgage is simply outstanding! Troy, Nicole, and Marisol went above and beyond to make the entire process seamless and stress-free. Their professionalism, clear communication, and attention to detail were second to none.
If … More you’re looking for a trustworthy, knowledgeable, and efficient mortgage team I highly recommend City Creek Mortgage. Troy, Nicole, and Marisol are the dream team! -
i was lucky enough to get to meet and work with Sefa and Alexis over at City creek mortgage. They were so professional while still making you feel like family. Any questions or concerns that came up they were both at the beck and call ready … More to answer as soon as they could, it made the whole process very fast and assuring.
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I’m not usually one to write Google reviews, but I couldn’t pass up the opportunity to write one for Troy, Nicole, and Lexi at City Creek Mortgage. If you’re looking for a lender who will truly go to bat for you, Troy is the one to call—there’s … More no one else I’d recommend more.
I had a rough time during this home buying process, but Troy went above and beyond to support me through the process. He made sure that every step of the way, I had someone in my corner when things weren’t going right.
Before working with this team, I didn’t fully understand what it meant to be a lifelong customer, but they’ve earned my loyalty for life. The care, dedication, and effort they put into ensuring I got the best deal and felt supported were truly unmatched.
I’ll forever recommend City Creek to anyone who needs a lender. This team is the best, and I can’t thank them enough for everything they’ve done for me
