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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 truly went above and beyond!
We had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and Sefa at City Creek Mortgage were the absolute glue that held everything … More together. They were always steady, responsive, and proactive — making sure every step stayed on track even when things got complicated.
Their speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file — Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone’s patience.
If you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn’t be more grateful for them! -
Sefa and Devyn at City Creek were easily one of the best teams I’ve ever worked with! They were quick to respond, answered all my questions, and walked me through every step of the refinance process. Everything felt smooth and stress-free … More from start to finish. I’d highly recommend them to anyone looking for a knowledgeable and supportive team!
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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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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 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.
