801-501-7950
Login
Check Rates Now
Rural Housing Refinancing
- Are you looking for a no-money down loan and want to live in a rural area?
-
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
-
I had the privilege of working with Alexis and Sefa at City Creek Mortgage and they are an absolute dream to work with! They both responded quickly and professionally to any questions or concerns I had throughout the process which is a … More really high ask in the mortgage industry BUT WAIT THERE IS MORE! They also delivered and unbelievable turn around time, they were able to help my clients close in record timing! So not only were they extremely personable, understandable, and professional they were able to deliver on the promises they made. If you are looking for a dream team for your next real estate move, give them a call!
-
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.
-
City Creek Mortgage did an incredible job with our home refinance. I love their online tool that allows for transparency and clarity when trying to see what interest rate and fee structure would work best for us. The cost to close our … More loan was less than expected and we still got a rate that worked for us.
Temara and Marisol were great to work with. They responded to our requests quickly, and they kept us informed at every step of the way. Incredible customer service, that we really do appreciate! Thank you City Creek Mortgage, we will definitely be referring all our family and friends to you!
Marc and Stacy W. -
City Creek Mortgage is nothing short of best in class. I recently worked with their team through the purchase of a home for my clients who were First Time Home Buyers.
As the buyers agent in the transaction it is crucial to work with industry … More partners who are communicative, dedicated, and its an added bonus when they truly love what they do & go the extra mile for their people. Im so grateful for the City Creek team not only for their expertise given to the clients to ensure they come out with multiple wins, but for also being such an amazing resource for myself as the agent.
I cannot wait for the opportunity to work with the City Creek Mortgage team again! -
I had a great experience working with Lexi Beiza on a recent transaction. From start to finish, he was proactive, communicative, and stayed ahead of every potential issue. As an agent, it’s such a relief to work with a lender who keeps … More the process moving and makes sure everyone stays informed.
He was always quick to respond, helpful with problem-solving, and just generally great to work with—friendly, professional, and on top of every detail. Everyone involved felt like we were in good hands the whole time. Looking forward to working together again! -
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!
