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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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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 -
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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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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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. -
We had a very positive experience with City Creek Motgage. Alexis and Sefa were easy to work with and listened to our concerns, fixed the issues that we had and made the whole process very smooth. We appreciate all that they did for us … More and will work with him in the future. We highly recommend them to anyone else looking for a mortgage.
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I am so happy to have City Creek Mortgage working on my home loan. Thank you so much to Alex, Marisol, Austin and everyone in the team to make the transaction went smoothly from the start to finish. Their rates and fees are very reasonable, … More I would definitely recommend and work with them again in the future.
