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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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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 … More and email. They were also so fast! We would definitely work with them again! -
We had a very positive experience with City Creek Motgage. Alexis and Sefa were easy to work with and listened to our concerns, fixed the issues that we had and made the whole process very smooth. We appreciate all that they did for us … More and will work with him in the future. We highly recommend them to anyone else looking for a mortgage.
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Great local, family-owned mortgage company that provides white glove service with a great personal touch.
Sefa was helpful throughout the entire process, clearly outlined everything at each phase, and had great communication throughout … More the whole loan process.
Every interaction with someone at City Creek was pleasant and I couldn't be happier with my home loan. They'll be my first call any time I'm looking at a new mortgage, refinancing, or exploring options!
Highly recommend -
I enjoyed the service City Creek provided from start to finish. Their reps and portal are equally as friendly as they are efficient. Communication was clear and transparent. The process is simple and straightforward. I worked with Alex … More and Marisol and have no complaints. 5 out 5 imo
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Alexis Carter is the GOAT. I was a first time homebuyer worried about qualifying but was recommended Alexis. She led my partner and I through the entire process and was always available if needed, even over the holiday season! Sefa was … More great as well! Now, about 6-8 weeks later we’re unpacking in our new home.
Thanks for everything! 😎 -
Hands down the best mortgage company I’ve had the pleasure of doing business with. The team at city creek mortgage made the impossible, possible. Communication was absolutely on point from the second I made the phone call. Thanks to Alexis, … More and Sefa for helping us get into our new home 🙂
