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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 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. -
City Creek was honestly the best part of my first time home buying experience! Carlin and Devyn were both great to work with and answered all of my questions and kept me stress free. I loved the transparency and accuracy of their website, … More and it was so much easier to use then every other website I tried. The best part is, of all of the rates I shopped, theirs was also the lowest. When so many other things didn’t seem to go as smoothly as we wanted with our home buying experience, City Creek was patient and perfect the whole way through. Truly a great experience and I highly recommend them!
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Working with City Creek Mortgage on my mortgage refinance was an amazing experience from start to finish. Troy Norris, our mortgage officer, was incredibly knowledgeable, patient, and truly went above and beyond to make sure we understood … More every step of the process. His assistant, Marisol, was just as fantastic—she was always quick to respond, organized, and kept everything moving smoothly.
The communication from the entire team was outstanding. We were always kept in the loop, and any questions we had were answered quickly and clearly. What really stood out was how hard they worked to get us the best possible outcome—they were able to lower both our interest rate and our monthly payment, which made a huge difference for our family.
Even their title company was great to work with, making the closing process simple and stress-free. The whole experience felt seamless because everyone involved was professional, responsive, and genuinely cared about helping us.
I would absolutely recommend City Creek Mortgage to anyone looking for a lender that truly puts their clients first. -
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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I am so happy to have City Creek Mortgage working on my home loan. Thank you so much to Alex, Marisol, Austin and everyone in the team to make the transaction went smoothly from the start to finish. Their rates and fees are very reasonable, … More I would definitely recommend and work with them again in the future.
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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
