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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 todayβs 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 todayβs 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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We had the absolute best experience buying our first home with Marisol and Alex at City Creek! As first-time homebuyers, we had so many questions, and they guided us through every single step with patience, professionalism, and genuine β¦ More care.
They made the entire process feel smooth and stress-free, always keeping us informed and making sure we felt confident in every decision. We truly felt supported from start to finish.
We are so grateful for their dedication and highly recommend Marisol and Alex to anyone looking to buy a home β especially first-time buyers! Thank you for helping us achieve such a big milestone! π‘β¨ -
It was great working with Alexis and Sefa at City Creek Mortgage. From start to finish, the team was incredibly patient and understanding of my situation. They were extremely helpful every step of the way and ultimately secured the best β¦ More rate for me. The team made relocating from another state so easy. I highly recommend!
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City Creek Mortgage was great to work with. In particular, Alexis Carter and Sefa Gasu were the best! They made everything so easy to understand and were both so patient with us and our endless questions. They were very responsive by phone β¦ More and email. They were also so fast! We would definitely work with them again!
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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 β¦ 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 excellent experience with City Creek Mortgage from start to finish. Sefa Gasu, Alexis Carter, and Ivie Carter were thorough, responsive, and professional every step of the way. They handled a complex file with clarity and care, β¦ More kept communication tight, and helped us get to closing smoothly and confidently. Highly recommend their team.
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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 β¦ 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. Weβre so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home!
