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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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Thank you so much for helping me with my mortgage! Devyn and Stefa were very great to work with. They both made the entire process stress-free and quick start to finish. Everything was explained clearly and communication was great. I truly … More appreciate the time and effort put into making this such a positive experience. I highly recommend working with them! City creek mortgage is the best
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We had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of … More questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We’re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home! -
Great local, family-owned mortgage company that provides white glove service with a great personal touch.
Sefa was helpful throughout the entire process, clearly outlined everything at each phase, and had great communication throughout … More the whole loan process.
Every interaction with someone at City Creek was pleasant and I couldn't be happier with my home loan. They'll be my first call any time I'm looking at a new mortgage, refinancing, or exploring options!
Highly recommend -
Temara and Marisol were great to work with. Zero pressure, just logical pros and cons on my refi. I uploaded like 12 documents, and then two weeks later closed. It was without a doubt the easiest mortgage experience I’ve ever had. Maybe … More a total 30 minutes of work on my end. Will absolutely use them again.
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City Creek Mortgage truly went above and beyond!
We had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and Sefa at City Creek Mortgage were the absolute glue that held everything … More together. They were always steady, responsive, and proactive — making sure every step stayed on track even when things got complicated.
Their speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file — Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone’s patience.
If you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn’t be more grateful for them! -
I had such a great experience with City Creek Mortgage! I got a call from Devyn just minutes after I submitted an online request, and everything from there was smooth and easy. Their rates and fees were super competitive, and Devyn and … More Sefa were both amazing to work with—super responsive and on top of everything. I never once worried about closing on time or being surprised by numbers. Totally recommend them!
