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Today’s Rates
Lowest rates you’ve seen? We get that a lot.
30 Yr Fixed Jumbo
7.000%
APR 7.495%
Low payments that never change
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15 Yr Fixed Conforming
5.000%
APR 5.949%
Pay off faster and save on interest
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5/6 ARM
8.000%
APR 7.946%
Save the most interest
in a shorter time frame
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Rates as of December 22, 2024   See Full Rate Table
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How does City Creek save me money?

“Tobi & I both grew up in families with very limited resources. We understand that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The City Creek Family”

Mortgage Mike & Tobi - Founders

Why City Creek
We’re built to save you money.
Salary-Based Loan Officers
When you’re working with people who aren’t fighting for commission, you get treated exactly the way you’d want.
Low Rates & Closing Costs
Our rates and closing costs are some 
of the lowest in the nation. See for yourself in as little as 60 seconds!
No Upfront Fees at Anytime
Upfront fees? Woof. Not here. You’ll have a happier wallet with our transparent, salary-based team.
I’m buying a home I’d like to refinance
“We have used City Creek to purchase and refinance two properties. It was smooth and so easy.”
Nancy P.
Cash Out Refinance in Sandy UT
Real Client Stories
John & Lisa saved $271.52 per month.
one John and Lisa wanted to pull some cash out
two They were planning a large re-model
threeJohn didn’t know all of the options they had
four We led them to the best loan for them #winning
see how much I can save