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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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After a terrible experience trying to refinance with our existing lender we found City Creek Mortgage and couldn’t be happier. Devyn and her team are wonderful to work with, highly responsive, patient with all your questions, and the whole … More process was a breeze. You’ll feel valued as a customer every step of the way and they go out of their way to earn your business. I would highly recommend them!
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Temara and her team were great to work with. Even when the house under contract changed 3 weeks before closing, they were able to have everything together and ready to close a day early. Very responsive and we were able to work together … More to make it all happen for our client.
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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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We had amazing experiences with Alex! She was super patient, kind, and helped us understand each step of the process. Made everything very easy! Wonderful person, would definitely recommend working with her!
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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. -
We can't say enough about how much we appreciate the team at City Creek Mortgage, especially Temara. From the very beginning, she worked so hard on our behalf, especially with our tricky financing situation. She truly went above and … More beyond, meeting with us several times to patiently walk us through our options and find a solution that worked for us. Her dedication and effort made all the difference. The City Creek team is absolutely amazing, and we are so grateful for their help.
