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There is no other mortgage company like us.
But don’t take our word for it!
- No personal information required
- No upfront deposit for appraisal or credit report required
- Expect to save money
CORE VALUES
Non-negotiables we live by.
Take care of each other.
We are there for each other.
Always do the
right thing.
We choose to do what is right over what is easy.
Continuous
improvement.
We intentionally
improve and grow.
Take personal
responsibility.
It costs nothing for your clients to explore potential savings.
Nothing less
than raving fans.
We deliver a stellar client experience.
Our Team
Years of experience dedicated to you
Mike Roberts
President, Founder
Tobi Roberts
CEO, Founder
Austin Roberts
Head of Operations
Mikaela Roberts
Head of Marketing
Our Partners
We’re fortunate to work with amazing people
Citrus Insurance
Our home insurance partner covers you regardless of what situation may arise in the future.
We know what we’re doing.
We go above and beyond to create great experiences for our clients,
here are some words to prove it.
2,685 people can’t be wrong
2,685 Reviews | Average 5/5
Outsmart the mortgage industry & save thousands.
See your lowest rate and payment in less than 60 seconds. NO personal info required. Seriously. Try it!
Outsmart the mortgage industry & save thousands.
See your lowest rate and payment in less than 60 seconds. NO personal info required. Seriously. Try it!
I’d like to buy
- No commitment
- No deposit for appraisal or credit report required
- Need a fast close? Ask for an express pass
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Rate:Outsmart the mortgage industry & save thousands.
See your lowest rate and payment in less than 60 seconds. NO personal info required. Seriously. Try it!
Today’s Rates
Lowest rates you’ve seen? We get that a lot.
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Customize your rate in just 60 seconds
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Ask Mortgage Mike if that “Preferred Lender” really got you the best rate
2nd button Ask Mike anythingAsk Mortgage Mike if that “Preferred Lender” really got you the best rate
Ask Mortgage Mike if that “Preferred Lender” really got you the best rate
$5,000 Guarantee
Close on time or we pay you $5,000. No joke!
Don’t want to miss that closing date? We get it! We guarantee to close your loan by the date stated in your contract. If we don’t, we’ll write you a check for $5,000.*
Tools & Quick Answers
Looking for some simple answers?
Tools & Quick Answers
Looking for some simple answers?
We Save You Money
Save thousands with a City Creek Approved Realtor.
You’ll save an average of $6,000* in commisions compared to many well-knows morgage companies. Why? Becase we care about you.
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Purchase Loan Programs
Find the purchase program to fit your needs
Most common/recommended
Conforming / Conventional
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Rate Tracker
Open the rates and seize the day!
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Apply Now
You're about to increase client satisfaction at no extra cost to you.
With $0.00 out of your pocket, you have the potential to save your clients thousands!
Benefits of partnering with City Creek Mortgage
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Get $2,000 At Closing
Are you currently working with a real estate agent you love?
Let’s Get Started
Great! Let's get you introduced to a City Creek approved agent who can gift you $2,000 at closing.
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Let’s Get Started
Perfect! They want you to close on time. Let your agent know we've put our money where our mouth is with our $5,000 close on time guarantee.
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Let's get you that
pre-qualification letter
pre-qualification letter
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
Want to dive a little deeper?
Read Mortgage Mike’s daily rate analysis
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Mortgage Mike & Tobi - Founders
testWhy 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.
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.
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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!
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No Upfront Fees at Anytime
Upfront fees? Woof. Not here. You’ll have a happier wallet with our transparent, salary-based team.
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No Upfront Fees at Anytime
Upfront fees? Woof. Not here. You’ll have a happier wallet with our transparent, salary-based team.
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You’re buying a home, that’s great! Where are you in the process?
I’m shopping rates
Get a custom rate quote in 45 seconds, with no personal info needed
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.
Featured Video
Why do other companies hide their rates?
See how they get you to pay more for the same mortgage.
Featured Video
Why Prequalify?
Learn why this step can save you heartache, and get you on your way to buying your home.
Get prequalified
Where We’re Licensed
Keep that payment low in 8 states & growing
Not in one of these states? Let us know and we'll get you in touch with a trusted City Creek partner.
Real Client Stories
John & Lisa saved $271.52 per month.
John and Lisa wanted to pull some cash out 
They were planning a large re-model 
John didn’t know all of the options they had 
We led them to the best loan for them #winning
Open early. Working late. 7 days a week.
You are important.
We’ll work around your schedule.
We’re available 7 days a week, 15 hours a day. Our committment to saving you money doesn’t stop at 5pm. Call, chat, or come on in.
Purchase Process Overview
You just want this to be easy. With us, it is.
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Loan Types
Lots of options so you get what fits your life best.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Conforming / Conventional
Most common loan for buying a home. Best for most people.
Benefits
The benefits of purchasing with City Creek Mortgage
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
Salary-Based Loan Officer
Your best mortgage doesn't include high-pressure, high-commission sales people.
The benefits of purchasing with City Creek Mortgage
Salary-Based Loan Officer
Salary-Based Loan Officer
Salary-Based Loan Officer
Salary-Based Loan Officer
Salary-Based Loan Officer
Salary-Based Loan Officer
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Frequently Asked Questions
Of course you have questions about buying a home. Let’s get you answers.
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Our Culture
Join the best mortgage company in Utah
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100 w 200 n
Provo
Our customers love City Creek Mortgage.
804+
Customers Feel
Listened To
804+
Customers Feel
Listened To
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Customers Feel
Listened To
Limited Time Offer · $500 Gift Card to your client after closing
Thousands of happy clients.
All Blocks
Why City Creek over other options out there?
Better loan terms available with lower closing costs. Ultimately this is going to save me thousands in the short term and tens of thousands over the life of the loan over what a competitor was offering.
Dustin Parmley
“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
WYSIWYG
WYSIWYG Full
Outsmart the mortgage industry & save thousands.
See your lowest rate and payment in less than 60 seconds. NO personal info required. Seriously. Try it!
Looking to Explore Other Loan Types?
Utah Conventional Loan
This is a loan that is not insured by the government. It has a lower down payment requirement than other types of loans, but it also has a higher interest rate.
Utah Super Conforming Loan
This is a type of conventional loan that has a higher loan limit than a traditional conventional loan. It’s a good option for borrowers who need a loan amount that is above the conforming loan limit.
Utah Jumbo Purchase Loan
This is a loan that is larger than the conforming loan limit. It’s a good option for borrowers who need a loan amount that is above the conforming loan limit.
Utah VA Loan
This is a loan that is guaranteed by the Department of Veterans Affairs. It has no down payment requirement and no mortgage insurance premium.
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