Got a mortgage quote?

Let's make sure you're not overpaying.

Send us a copy of your rate quote. Our non-commissioned Utah mortgage team will review it and show you where you can save.
Get a FREE 2nd Opinion
Close as Quickly as 11 Days
Voted Best of State
Three easy steps

How to get a second opinion

We made it as simple as possible
1.

Send your current quote

Send us a copy of your rate quote from your current lender.
2.

We audit the fees line-by-line

Our team will review the quote for hidden lender fees, excessive origination charges, or marked-up interest rates.
3.

Get an honest recommendation

If your current lender's quote is great: Stick with them! If we can save you thousands: We'll show you the exact numbers and handle the switch seamlessly if you decide to move forward.

Why get a second opinion?

Would it surprise you to know your mortgage quote can vary significantly depending on who you ask? Same loan, different lenders, different price - it's more common than you'd think. Get a second opinion and see for yourself. At City Creek Mortgage, our salaried team has no reason to steer you toward a bigger fee, just the best deal for you.
See how much you can save
We've got you
Frequently asked questions
open question Will requesting a second opinion hurt my credit score?
No! Mortgage credit inquiries within a 14-to-45-day window count as a single inquiry on your credit score. Shopping for the best mortgage rate will not penalize your credit.
open question What specific page of the Loan Estimate should I send?
Page 2 is the most critical page because it breaks down the closing cost details, including lender fees (Section A) and services you cannot shop for (Section B). That’s where hidden markups usually hide.
open question Is it too late to switch lenders if I’m already under contract?
Not at all. As long as you aren’t closing in the next few days, our streamlined loan process allows us to close loans in as little as 14 days.
Text your rate quote for a fast review