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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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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. -
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.
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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! -
We had an amazing experience working with City Creek Mortgage for our new home! Temara and Marisol were incredibly responsive, communicative, and genuinely felt like they were in our corner every step of the way. Buying a home comes with … More a million little tasks and questions, and they helped us navigate all of it with clarity and confidence. They tailored a plan that worked for our unique situation and always made us feel supported.
This was a night-and-day difference from our experience buying our last home—having a team like this makes such a huge impact. We even chose a closing date a few weeks out but ended up being able to close early thanks to how efficient and proactive they were.
Highly recommend City Creek—Temara and Marisol made what could have been a stressful process feel smooth and easy. -
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!
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We are so thankful that our real estate agent suggested that we work with City Creek for our recent investment property purchase in Salt Lake City. Everybody that we came in contact with made us feel like a part of the family, and they … More truly had our best interests in mind. We would highly recommend choosing City Creek if you want the best possible loan terms and if you value great customer service. Temara was amazing to work with, and we want to give an extra shout out to Marisol who is nothing short of a rockstar! Thank you Marisol for taking such amazing care of us throughout the process we truly appreciate it!
