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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 South State Street #100, Draper
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City Creek Mortgage was absolutely amazing to work with! Mike and his team went above and beyond to meet all of our mortgaging needs. They made the entire process smooth and stress-free, and we were even able to close quickly thanks to … More their efficiency.
I really appreciated how responsive they were; every question I had was answered thoroughly and in a timely manner. They never made me feel like I was asking too much, even when I was persistent with follow-ups. Their patience and professionalism meant so much to me.
I’ll definitely be working with them again in the future. We’re so grateful for the care and support they gave our little family! -
We had an amazing experience with City Creek Mortgage! Their team was incredibly helpful, guiding us through the entire process with professionalism and care. Everything was smooth and stress-free, and they made sure we understood every … More step along the way. We truly appreciate their dedication and excellent customer service. Highly recommend them to anyone looking for a great mortgage experience!
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Working with Alexis and Sefa has been a great experience. The whole process was fast and any questions we had were answered extremely quickly. They helped save us a lot of money monthly and with a great interest rate.
This is the third … More time we have used City Creek and have nothing but love for them and their services. Thanks again! -
I am a buyer's agent and just closed on a home and City Creek Mortgage was the lender. They were fantastic throughout the whole process! They took good care of my buyers, their processed everything smoothly and quickly, and as a real … More estate agent, they kept me informed along the way regarding what phase the loan was at and how things were progressing without my needing to reach out and keep after them. I would definitely recommend and work with them again.
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City Creek was so incredibly helpful for my Husband and I. We just bought our first home and the process was so easy and simple thanks to City Creek! Alexis was our go to person and she was amazing. When we went into underwriting Sefa was … More also incredible. They not only communicated with us but walked us through things. Highly recommend them!
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Thank you City Creek Mortgage for making our experience so smooth and easy. We bought an investment property and from the start Devyn and Marisol were knowledgeable, helpful, and available anytime we had questions. I highly recommend … More City Creek Mortgage - and I will use them again!
