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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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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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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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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.
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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! -
I had the privilege of working with Alexis and Sefa at City Creek Mortgage and they are an absolute dream to work with! They both responded quickly and professionally to any questions or concerns I had throughout the process which is a … More really high ask in the mortgage industry BUT WAIT THERE IS MORE! They also delivered and unbelievable turn around time, they were able to help my clients close in record timing! So not only were they extremely personable, understandable, and professional they were able to deliver on the promises they made. If you are looking for a dream team for your next real estate move, give them a call!
