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Your Term Mortgage
Stay on track
- Do you want the perks of a refinance, but don’t want to backtrack on the years you have already paid?
- Are you looking to strategize your monthly budget with upcoming life events?
City Creek Mortgage is pleased to introduce a new program called, “Mortgage Your Way.”
With a fixed mortgage rate, you can pick the years of the term, anywhere from 8 to 30. (In the past you were locked into a 5-year ARM, 15-year, 20-year, 25-year or 30-year.) You can refinance up to 95% of your home’s current value with this program, or you can buy a primary residence with as little as 5% down. Your loan amount can be as little as $25,000 and as high as $510,400.
There are several instances where this loan program can benefit a homeowner. First, if you have been paying 9 years on a 30 year loan, you can refinance with a better rate, but stay on track with only 21 years left to pay. Second scenario comes from those who consistently add principle to their monthly payments. You can decrease you interest rate with a refinance by adding that extra principle payment each month in the official loan terms. Third, you can customize your loan terms based on your ideal monthly budget. You tell us how much you want to pay monthly, and we can design a loan, with desired loan length, in conjunction with the current interest rates to customize a loan that’s perfect for you. Last, this program is ideal for those who are mapping out monthly expenses into retirement years, or around kids attending college. If you know in 10 or 12 years you will need to increase your cash flow, we can use this program to pay off your home in time to meet those goals.
City Creek Mortgage
11910 S State St #100, Draper
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We had a wonderful experience with City Creek Mortgage! Alexis and Sefa were professional, knowledgeable, and incredibly responsive throughout the entire mortgage process. They made everything easy to understand, answered all of our questions, … More and kept us informed every step of the way.
Their dedication and support made our home-buying experience smooth and stress-free. We truly appreciate everything they did for us and highly recommend City Creek Mortgage, especially Alexis and Sefa, to anyone looking for a reliable and caring mortgage team. Thank you! -
Our experience with City Creek Mortgage has always been phenomenal. They go above and beyond to make home buying simple and as stress free as possible. I’ve worked with Devyn, Alex and Lexi and they are all so professional and work so hard. … More They are always available to answer questions, I never had to wait long for a response. I appreciate their dedication to their work and recommend them highly.
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They are the best! I just got the keys of my home! Alexis Carter helped me in this process, she helped me educating me financially, how I could get best chances to be approved, she was communicative with me all the time, she was a great … More help for me because I’m not an US citizen and I had some issues and she could go over all of it and help me to overcome the issues. I cannot thank her enough for everything, and for the time she spent on helping me. She and her team are wonderful! I also thank Sefa for being an amazing loan processor and get everything done so fast, and of course everyone else in the team that made my dream happen.
City creek mortgage is the best! They do care about YOU! 💕 -
City Creek Mortgage was amazing to work with! Their entire staff was kind, communicated efficiently with us and our real estate agents, and made the whole process seamless!! They were able to get everything completed in time for a quick … More closing and were always available for questions to provide clarification when needed. We would highly recommend using City Creek for a smooth and seamless process. A special thank you to Alexis and Sefa for all the work you guys put in to get us to the finish line!!
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I had a great experience working with City Creek Mortgage for my home loan. Communication throughout the entire process was excellent—the team was proactive and kept me informed every step of the way. Thanks to their efficiency and hard … More work, we were even able to close more than a week early! I highly recommend their services to anyone looking for a smooth and professional mortgage experience.
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The entire team at City Creek mortgage was amazing! They got everything done quickly and painlessly. Got us the best deal we could find and were ultra responsive and helpful. Troy, Nicole, and Lexi are the best!
