801-501-7950
Login
Check Rates Now
Got a mortgage quote?
Let's make sure you're not overpaying.
Text us a photo of your loan estimate. Our non-commissioned Utah mortgage team will review it and show you where you can save
See how much you can save
#1 mortgage broker
Salary-Based Loan Officers
Three easy steps
How to get a second opinion
We made it as simple as possible
1.
Send your current quote
Send us a picture of Page 2 & 3 of your official Loan Estimate (LE) or fee sheet 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?
Most lenders charge high origination fees because their loan officers work on standard commissions. At City Creek Mortgage, our team is paid a regular salary. Our only incentive is to find you the best deal.
See how much you can save
We've got you
Frequently asked questions
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.
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.
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.
