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Avoid the
"Preferred Lender" & save thousands.
With no upfront fees, some of the lowest rates available, and a salary-based team working 7 days a week, you’ll save money and time.
The benefits of purchasing with City Creek Mortgage
You're afraid you won't close on time
Your wondering if your agent's "preferred lender" is giving you the best deal
You just want to close and move in
You're not confident you'll qualify
You're concerned you'll pay THOUSANDS more than you should
You don't know... what you don't know
Salary-Based Loan Officer
You deserve better. Which is why we've built an easy home-buying
experience to close you quickly and save you money.
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
Purchase Process Overview
5 easy steps to save & close happy.
Step 1
Get pre-qualified or pre-approved
Get pre-qualified or pre-approved
Step 2
Find a home & send us the contract
Find a home & send us the contract
Step 3
Upload remaining documents
Upload remaining documents
Step 4
Final to-do’s
Final to-do’s
Step 5
Close on time
Close on time
$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.*
Why buy a home with anyone else?
| Wyndo Mortgage | Preferred Lender | |
| $5000 Close-on-time Guarantee for Purchases |
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| Amazingly low rates |
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| Open 7 days a week |
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| No conflict of interest with the builder |
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| Google with thousands of reviews |
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| Salary-based loan officers that save you money |
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Get a City Creek Partner Agent
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.
Back
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.
Back
Let's get you that
pre-qualification letter
pre-qualification letter
From Mortgage Mike
Why are Wyndo's rates
so low?
“Tobi & I both grew up in families with very limited resources. The typical mortgage process is expensive and hard. This is the last thing you should worry about. That's why we re-engineered the mortgage process to be easy and affordable."
see purchase rates
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.
"This was probably the easiest process I have ever been through. I called around to compare all the rates & fees for a mortgage refinance and city Creek was by far the lowest on all accounts. I will definitely be using them for my next home loan too. All the staff was friendly and knew where to direct me when I had questions. The process actually happened extremely quick.
No regrets here."
Nancy P.
Cash Out Refinance in Sandy UT
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.
Super Confronting
Most common and best option for big loan amounts.
Jumbo
Most common loan for buying a home. Best for most people.
VA
For veterans and their family. Thank you for your service.
FHA
Government program with more lenient loan requirements.
USDA
Specific government program for loans used in rural areas.
Benefits
What’s in it for me? Why should I choose City Creek?
Salary-Based Loan Officers
Your best mortgage doesn't include high-pressure,
high-commission sales people. 
No Upfront Fees Ever
Charging for appraisals or credit reports before you close?
Nope. Not here. 
$5,000 Purchase Close-On-Time Guarantee
No reason to sweat a tight closing deadline.
We'll be ready to close on time. 
Low Rates & Closing Costs
We charge less. It really is that simple. 
Frequently Asked Questions
Of course you have questions about buying a home. Let’s get you answers.
How much will my closing costs be? Is it really possible to do a loan
without having to pay closing costs? Why isn’t my question here?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.