Saving on your refi just got easier

With no upfront fees, some of the lowest rates available, and a salary-based team working 7 days a week, you’ll be saving time and money.

Shop rates now Start refi application

No personal information required
No upfront deposit for appraisal or credit report required
Expect to save money

The typical refi process is not great

You're not sure if you SHOULD refi or just pay extra on your loan

You're worried you won't qualify

You're not sure if your normal guy is giving you a good deal

You're confused why past refinances have taken so long

You're concerned about choosing the wrong loan

You don't know... what you don't know...

You deserve a refinance that fixes all of these problems. We've changed how refinances are done to close you quickly and save you money.

Continue to Application

"Very impressed with City Creek Mortgage! I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. I was very pleased with how fast the refinance process took. We closed on our loan 13 days after we first made contact with them. There was no shortage of great communication and service in the process as well. I am truly amazed by how easy our process went. To Temara, Ivie, and Carlin, thank you for your great work!"

⭐⭐⭐⭐⭐ Phil D

Refinancing is Simple

4 Easy Steps to Save

Step 1 See our rates & apply online

Get an instant rate quote online, see your savings, and apply.

Your loan officer will guide you in choosing the best loan for you.

Step 2 Upload documents

Upload things like, ID, paystubs, bank statements, etc

Your loan coordinator will submit your documents for lender review

Step 3 Final to-do’s

Your lender will complete their review and send us a list of final to-do’s before closing.

Your processor will work with you to finish open to-do’s. We may need more documents from you.

Step 4 Close on time

Once we’ve competed that final to-do list, one of our closing specialists will help you schedule your closing.

On closing day, you’ll bring your ID, sign some documents and be on your way!

Why go anywhere else?

	Wyndo	Internet Mtg Co.	Typical Mtg Co.
Access to instant refinance rate & fee quotes with no personal info
Extended hours on weekdays & weekends
Local Market Expertise
Access to generate fee sheet, online, 24/7
No upfront appraisal or credit report fees
Salary-based loan officers
Custom rate & closing cost analysis that saves you the most money
Close Happy Guarantee (when refinancing)
⭐️⭐️⭐️⭐️⭐️ Google rating with thousands of reviews

Start Refinance Process

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

Close Happy Guarantee

You'll Close Happy. Guaranteed.

See why THOUSANDS of people rate us 5 stars on Google. You'll be happy knowing you’ve closed on time, saved the most money possible, and have the best rate possible.

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Tools & Quick Answers

Awesome Refinance Calculators

Have another mortgage question?

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Refinancing? Smart move! What are you hoping to do?

Lower rate & payment

Customize your rate and new payment in 45 seconds, with no personal info needed. No credit check either!

Customize your low rate

Pull out some cash

Put your equity to work. Pay off some debt, remodel your home, put some cash in your pocket, or fund your retirement

Get cashout rates

Pay off mortgage faster

Pay a whole lot less interest by refinancing to a shorter loan term.

See 15 year rates

"I shopped three different mortgage companies for our refinance. City Creek came back with the lowest rate and closing costs. We closed on our loan 13 days after we first made contact with them."

Phil D.

Cashout Refinance in St George, UT

Rates move constantly

Just want to keep tabs on rates? Easy.

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Benefits

What’s in it for me? Why should I choose Wyndo?