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a{color:#f37432;border:1.75px solid #f37432;border-radius:.625rem;justify-content:center;align-items:center;padding:1rem 1.5rem;font-family:Mulish,sans-serif;font-size:1.125rem;font-style:normal;font-weight:700;line-height:normal;display:flex}@media only screen and (min-width:1024px){#loan-finder-section .container .content .loan-programs .loan-program a{width:-webkit-fit-content;width:fit-content;min-width:15.5rem}#loan-finder-section .container .content .loan-programs .loan-program{min-width:18.75rem}#loan-finder-section .container .content{padding:4.33rem 6.25rem 6.33rem}}.advice-offer-with-form-block .container{flex-direction:column;justify-content:center;align-items:center;gap:2.81rem;padding:2.75rem;display:flex}.advice-offer-with-form-block .container .content{text-align:center;flex-direction:column;gap:2.81rem;display:flex}.advice-offer-with-form-block .container .content .advice-offer-title{color:#fff;max-width:28rem;margin:0;font-family:Mulish;font-size:3.5rem;font-style:normal;font-weight:900;line-height:3.625rem}.advice-offer-with-form-block .container .content .advice-offer-subtitle{color:#fff;max-width:32.5625rem;font-family:Mulish;font-size:1.875rem;font-style:normal;font-weight:700;line-height:2.625rem}@media only screen and (min-width:768px){.advice-offer-with-form-block .container .content{text-align:start}}.advice-offer-with-form-block .container aside .advice-offer-form{background-color:#fff;border-radius:.625rem;width:100%;max-width:27.125rem;padding:2rem 1rem;box-shadow:0 20px 32px -16px #00000014}@media only screen and (min-width:1024px){.advice-offer-with-form-block .container aside .advice-offer-form.form-top{position:relative;top:-5.75rem}.advice-offer-with-form-block .container{flex-direction:row;gap:7.19rem;min-height:43.0625rem;padding:2.75rem}.advice-offer-with-form-block{margin-top:2.75rem}}.building-blocks-loan-programs .container{flex-direction:column;justify-content:center;align-items:center;gap:4rem;display:flex}.building-blocks-loan-programs .container .content .loan-program-name-list{padding-left:0;list-style-type:none}.building-blocks-loan-programs .container .content .loan-program-name-list li{color:#3e4b51;border-top:1px solid #3e4b51;border-bottom:1px solid #3e4b51;padding:3.125rem 1.25rem;font-family:Mulish;font-size:2.375rem;font-style:normal;font-weight:700;line-height:1.625rem}.building-blocks-loan-programs .container .content .loan-program-name-list li.active{color:#f16d22;border-top:1px solid #f16d22;border-bottom:1px solid #f16d22}.building-blocks-loan-programs .container aside{background-color:#fff;padding:2.5rem 3.33rem 1.56rem}.building-blocks-loan-programs .container aside>div{max-width:18.375rem}.building-blocks-loan-programs .container aside>div h3{color:#000;margin:.75rem 0 0;font-family:Mulish;font-size:1.75rem;font-style:normal;font-weight:700;line-height:1.625rem}.building-blocks-loan-programs .container aside>div ul{padding-left:0;list-style-type:none}.building-blocks-loan-programs .container aside>div ul li{color:#000;margin-bottom:1.125rem;font-family:Mulish;font-size:.875rem;font-style:normal;font-weight:400;line-height:1.125rem}.building-blocks-loan-programs .container aside>div ul li span{color:#000;font-family:Mulish;font-size:.875rem;font-style:normal;font-weight:700;line-height:1.125rem}.building-blocks-loan-programs .container aside>div ul li:first-child{color:#000;font-family:Mulish;font-size:1.125rem;font-style:normal;font-weight:400;line-height:1.625rem}.building-blocks-loan-programs .container aside>div ul li:first-child span{color:#000;font-family:Mulish;font-size:1.125rem;font-style:normal;font-weight:700;line-height:1.5rem}.building-blocks-loan-programs .container aside>div .program-button-group{flex-direction:row;justify-content:center;align-items:center;gap:1.19rem;margin-top:4.62rem;display:flex}.building-blocks-loan-programs .container aside>div .program-button-group a{border-radius:.625rem;justify-content:center;align-items:center;gap:.625rem;padding:1rem 1.5rem;text-decoration:none;display:flex}.building-blocks-loan-programs .container aside>div .program-button-group a:first-child{color:#fff;background:#f16d22;border:1.75px solid #f16d22}.building-blocks-loan-programs .container aside>div .program-button-group a:last-child{background:0 0;border:1.75px solid #f16d22}@media only screen and (min-width:1024px){.building-blocks-loan-programs .container aside>div .program-button-group a{min-width:11.875rem}.building-blocks-loan-programs .container aside{padding:5.19rem 6.69rem 3.19rem}.building-blocks-loan-programs .container{flex-direction:row;gap:12.88rem;padding:2rem 0 10rem}}@font-face{font-family:Mulish;font-style:normal;font-weight:400;src:url(woff/mulish-v10-latin-regular.woff);font-display:fallback}@font-face{font-family:Mulish;font-style:normal;font-weight:700;src:url(woff/mulish-v10-latin-700.woff);font-display:fallback}@font-face{font-family:Mulish;font-style:normal;font-weight:800;src:url(woff/mulish-v10-latin-800.woff);font-display:fallback}@font-face{font-family:Mulish;font-style:normal;font-weight:900;src:url(woff/mulish-v10-latin-900.woff);font-display:fallback}@font-face{font-family:Mulish;font-style:italic;font-weight:400;src:url(woff/mulish-v10-latin-italic.woff);font-display:fallback}.bold{font-weight:700}	</style>
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297			<h1><strong class='highlight-blue'>&hairsp;Easiest&hairsp;</strong> 金刚电竞app官网体彩+手机版下载接口-电竞KINGKONG官方数据!</h1>
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314					</style>
315											<ul class="benefits">
316							<li>No personal information required</li>
317							<li>No upfront deposit for appraisal or credit report required</li>
318							<li>Expect to save money</li>
319						</ul>
320								</div>
321							<div class="image-wrapper" style="display:flex; align-items:end;">
322								<div style="width: 360px;padding-bottom:.5em;"><div id="google-business-reviews-rating" class="google-business-reviews-rating gmbrr badge tiny no-outline stars-color link" data-href="https://search.google.com/local/reviews?placeid=ChIJWRIE_KeHUocRRPrv_YRj8vs" data-stars="#fbbc04">
323	<p class="rating"><span class="attribution google-icon" title="Powered by Google"></span> <span class="number">5.0</span> <span class="all-stars"><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span></span> <span class="count">2,792 reviews</span></p>
324</div>
325</div>
326								<div class="best-of-state" style="max-width:204px;">
327									<img src="png/best-of-state-multi-medal.png" alt="Best of State Medal 2025" style="margin-bottom:1em;margin:0;"/>
328								</div>
329							</div>
330      		</div>
331					<div data-youtube="https://player.vimeo.com/video/805240185?autoplay=1&muted=1&playsinline=1&texttrack=en&badge=0&autopause=0" class="hero-side video cmmtag" data-label="<strong class='highlight-blue'>&hairsp;Easiest&hairsp;</strong> rate quote out there!" data-category="Video Opened">
332								<img width="648" height="365" src="jpg/ratequotesarentthatcomplicated-648x365.jpg" class="hero-img img-fluid wp-loaded" alt="a man and a woman are talking to each other." data-no-lazy="1" decoding="async" fetchpriority="high" srcset="https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-648x365.jpg 648w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-222x125.jpg 222w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-768x432.jpg 768w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-312x176.jpg 312w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-256x144.jpg 256w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-168x95.jpg 168
332w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated.jpg 960w" sizes="(max-width: 648px) 100vw, 648px" />									</div>
333
334			</div>
335</div>
336<div  id="todaysRates"></div>
337<div class="wrap" >
338    <div  class="four-blocks ">
339                    <div class="todays-rates-subtitle">
340                Today’s Rates            </div>
341                <div class="todays-rates-title">
342            <span class="rate-title">30 Yr 金刚官方电竞狂潮来袭 | Fixed</span>
343            <form id="rate-block-form">
344                <div class="program-selector loanTerm">
345                    <div class="section-title">Loan Term:</div>
346                    <select name="loanTerm" class="rateChange" required>
347                        <option value="30-yr" selected>30 yr</option>
348                        <option value="20-yr" >20 yr</option>
349                        <option value="15-yr" >15 yr</option>
350                    </select>
351                </div>
352
353                <div class="program-selector loanType">
354                    <div class="section-title">Loan Type:</div>
355                    <select name="loanType" class="rateChange" required>
356                        <option value="conv" selected>Conventional</option>
357                        <option value="jumbo" >Jumbo</option>
358                        <option value="fha" >FHA</option>
359                        <option value="va" >VA</option>
360                    </select>
361                </div>
362
363                <div class="program-selector rateType">
364                    <div class="section-title">Rate Type:</div>
365                    <select name="rateType" class="rateChange" required>
366                        <option value="fixed" selected>Fixed</option>
367                        <option value="arm" >ARM</option>
368                    </select>
369                </div>
370
371                <div class="program-selector armRate">
372                    <div class="section-title">ARM Rate:</div>
373                    <select name="armRate" class="rateChange" required>
374                        <option value="56" >5/6</option>
375                        <option value="76" >7/6</option>
376                        <option value="106" >10/6</option>
377                    </select>
378                </div>
379
380            </form>
381        </div>
382                <div class="rate-loader">
383            <img src="gif/loading.gif" alt="Loading Rates" class="img-fluid">
384        </div>
385        <div class="todays-rates-boxes">
386            <a href="index-3.html" class="todays-rates-box">
387                <div class="todays-rates-box-sub-title">
388                    1.975 points <span class="tooltip">
389                            <img src="svg/help.svg" alt="See Rate Details Arrow" class="img-fluid">
390                            <span class="tooltiptext">
391                                <strong>What are mortgage points?</strong><br>
392                                <span>
393                                Purchasing mortgage points is 金刚弹珠、im电竞手机版入口⚡竞官网app下载 prepaying interest to the lender, which allows you to secure a lower interest rate for the life of the loan. <br><br>Not sure if you should pay points?  Don’t worry. You don’t have to decide until a few days before closing.
394
395                                </span>
396                            </span>
397                        </span>
398                </div>
399                <div class="todays-rate">
400                    <span>5.500<sup>%</sup><span class="tooltip">
401                        <img src="svg/help.svg" alt="See Rate Details Arrow" class="img-fluid">
402                        <span class="tooltiptext">
403                            <strong>Interest rates</strong><br>
404                            <span>
405                            This is the interest rate applied to your home loan, and directly affects your monthly payment. Locking in a competitive rate can help you save on interest, and make homeownership more affordable.
406                            </span>
407                        </span>
408                    </span></span>
409                </div>
410                <div class="todays-apr">
411                    APR 5.719% <span class="tooltip">
412                    <img src="svg/help.svg" alt="See Rate Details Arrow" class="img-fluid">
413                    <span class="tooltiptext">
414                        <strong>APR: (Annual Percentage Rate)</strong><br>
415                        <span>
416                        The total cost of your mortgage, including interest, lender fees, and other charges. Since lenders can pick and choose what is included in this calculation, it’s not the best way to compare.
417                        </span>
418                    </span>
419                </span>
420                </div>
421                <div class="todays-cta">
422                    Lowest rate, highest upfront cost 
423                </div>
424                <div class="todays-rates-button">
425                    Check Closing Costs <img src="svg/arrow.svg" alt="See Rate Details Arrow" class="img-fluid">
426                </div>
427            </a><a href="index-3.html" class="todays-rates-box">
428                <div class="todays-rates-box-sub-title">
429                    0.966 points 
430                </div>
431                <div class="todays-rate">
432                    <span>5.750<sup>%</sup></span>
433                </div>
434                <div class="todays-apr">
435                    APR 5.877% 
436                </div>
437                <div class="todays-cta">
438                    Low rate with upfront cost 
439                </div>
440                <div class="todays-rates-button">
441                    Check Closing Costs <img src="svg/arrow.svg" alt="See Rate Details Arrow" class="img-fluid">
442                </div>
443            </a><a href="index-3.html" class="todays-rates-box">
444                <div class="todays-rates-box-sub-title">
445                    -0.043 points 
446                </div>
447                <div class="todays-rate">
448                    <span>5.990<sup>%</sup></span>
449                </div>
450                <div class="todays-apr">
451                    APR 6.027% 
452                </div>
453                <div class="todays-cta">
454                    Balanced rate and upfront costs 
455                </div>
456                <div class="todays-rates-button">
457                    Check Closing Costs <img src="svg/arrow.svg" alt="See Rate Details Arrow" class="img-fluid">
458                </div>
459            </a><a href="index-3.html" class="todays-rates-box">
460                <div class="todays-rates-box-sub-title">
461                    -1.098 points 
462                </div>
463                <div class="todays-rate">
464                    <span>6.375<sup>%</sup></span>
465                </div>
466                <div class="todays-apr">
467                    APR 6.375% 
468                </div>
469                <div class="todays-cta">
470                    Lowest upfront cost 
471                </div>
472                <div class="todays-rates-button">
473                    Check Closing Costs <img src="svg/arrow.svg" alt="See Rate Details Arrow" class="img-fluid">
474                </div>
475            </a>            
476            
477        </div>
478
479        
480
481        
481<script type="application/ld+json">
482            [
483
484                {
485                    "publisher": {
486                        "logo": {
487                            "url": "https://citycreekmortgage.com/wp-content/themes/city-creek/assets/img/logo.svg",
488                            "@type": "ImageObject"
489                        },
490                        "@type": "Organization",
491                        "name": "City Creek Mortgage"
492                    },
493                    "headline": "30 Yr Conventional Fixed",
494                    "author": {
495                        "@type": "Organization",
496                        "name": "City Creek Mortgage"
497                    },
498                    "@type": "Article",
499                    "@context": "https://schema.org/",
500                    "image": "https://citycreekmortgage.com/wp-content/themes/city-creek/assets/img/logo.svg",
501                    "description": "Learn more about interest rates and Annual Percentage Rate (APR).",
502                   "dateModified": "2026-01-08 00:00:00",
503                    "mainEntityOfPage": {
504                        "@id": "https://citycreekmortgage.com",
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507                    "datePublished": "2026-01-08 00:00:00"
508                },
509                {
510                    "annualPercentageRate": [
511                                        "5.719%"                ,
512                                        "5.877%"                ,
513                                        "6.027%"                ,
514                                        "6.375%"                
515                                        ],
516                    "description": "Learn more about interest rates and Annual Percentage Rate (APR).",
517                    "loanTerm": [
518                                            {
519                            "unitCode": "ANN",
520                            "@type": "QuantitativeValue",
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523
524                                            {
525                            "unitCode": "ANN",
526                            "@type": "QuantitativeValue",
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529
530                                            {
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532                            "@type": "QuantitativeValue",
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535
536                                            {
537                            "unitCode": "ANN",
538                            "@type": "QuantitativeValue",
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541
542                                        ],
543                    "interestRate": [
544                                                    "5.5%",
545                                                    "5.75%",
546                                                    "5.99%",
547                                                    "6.375%"
548                                            ],
549                    "@context": "https://schema.org",
550                    "@type": "MortgageLoan",
551                    "name": "30 Yr Conventional Fixed"
552                }
553
554
555
556            ]</script>
556
557                <div class="todays-rates-info">
558        Rates as of January 8, 2026&nbsp;<a href="index-28.html">See Rate Assumptions</a>
559        </div>
560                    <div class="todays-rates-cta">
561                See what your rate could be in 30 seconds            </div>
562                <div  class="btn-group">
563            <a href="index-3.html" class="btn btn-large btn-orange-solid ">Customize my rate</a>
564                            <a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web&amp;__hstc=107580381.3fa6e7ec40a2d6052a97cba3fc392a8d.1718908955069.1740531713933.1740778132927.125&amp;__hssc=107580381.10.1740778132927&amp;__hsfp=971786542&amp;_gl=1*1hy486q*_gcl_au*OTI3NDgzMDkxLjE3MzY3ODI3NzM.*_ga*NTkzOTU2MDgwLjE3MTI5NDM1MDI.*_ga_0R59SQ19YK*MTc0MDc3ODEzMC4xODIuMS4xNzQwNzc5NDk0LjYwLjAuMA.." class="btn btn-large btn-orange">Apply Now</a>
565                    </div>
566    </div>
567</div>
568
569
570<div  class="left-rate-tracking">
571	<div  class="wrap">
572		<div class="orange-card">
573      <div class="rate-tracking-side">
574				<figure><img width="485" height="485" src="jpg/debt-consolidation-tool-laptop_485x485.jpg" class="img-fluid wp-loaded" alt="City Creek Mortgage Debt Consolidation Solutions" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2024/11/Debt-Consolidation-Tool-laptop_485x485.jpg 485w, https://citycreekmortgage.com/wp-content/uploads/2024/11/Debt-Consolidation-Tool-laptop_485x485-200x200.jpg 200w, https://citycreekmortgage.com/wp-content/uploads/2024/11/Debt-Consolidation-Tool-laptop_485x485-1
57450x150.jpg 150w, https://citycreekmortgage.com/wp-content/uploads/2024/11/Debt-Consolidation-Tool-laptop_485x485-312x312.jpg 312w, https://citycreekmortgage.com/wp-content/uploads/2024/11/Debt-Consolidation-Tool-laptop_485x485-168x168.jpg 168w" sizes="(max-width: 485px) 100vw, 485px" /></figure>
575			</div>
576			<div class="rate-tracking-side">
577				<div class="sub-title h3">
578									</div>
579				<div class="h2">
580					Should I refi or get a Home Equity loan?				</div>
581        <div class="rate-tracking-content">
582					<ul>
583  <li>Lower your blended interest rate</li>
584  <li>Simplify your monthly payments</li>
585  <li>Compare side-by-side-options</li>
586</ul>
587
588<i>*We recommend using a computer when using this tool</i>				</div>
589									<div class="btn-group">
590																		<a href="index-29.html" class="btn btn-large btn-blue">Explore my options</a>
591											</div>
592											</div>
593		</div>
594	</div>
595</div><div  class="featured-video wrap">
596    <div  class="subtitle"></div>
597    <div  class="title">KINGKONG网赛事在线观看-体育彩比赛现场直播</div>
598    <div  class="cta-text">See how they get you to pay more for the same mortgage.</div>
599    <div data-youtube="https://player.vimeo.com/video/703936484?autoplay=1&muted=1&playsinline=1&texttrack=en&badge=0&autopause=0" class="video-image video cmmtag" data-label="KINGKONG网赛事在线观看-体育彩比赛现场直播" data-category="Video Opened">
600                        <img width="648" height="367" src="jpg/featuredvideo-648x367.jpg" class="img-fluid wp-loaded" alt="Why do other companies hide their rates" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo-648x367.jpg 648w, https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo-312x177.jpg 312w, https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo-768x435.jpg 768w, https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo-256x145.jpg 256w, https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo-168x95.jpg 168w, https://citycreekmortgage.com/wp-content/uploads/2022/03/featuredvideo.jpg 874w" sizes="(max-width: 648px) 100vw, 648px" />            
601    </div>
602    <a href="index-3.html" class="btn btn-large btn-orange-solid">Get a Rate in 30 seconds</a>
603</div><div data-wpr-lazyrender="1" class="home-hero-automated" style="background-image: url('jpg/happyfamilywithagreatrate-hero-75.jpg')">
604	<div  class="wrap">
605		<div class="hero-side">
606			<h1>Purchasing a home?</h1>
607			<p>Ask if you qualify for an even lower rate with our Purchase Special.</p>
608			<div class="btn-group justify-left">
609
610								<a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="btn btn-large btn-wide btn-orange-solid ">Apply Now</a>
611				                <div class="benefits-checkboxes">
612                    <style>
613                    ul.benefits { list-style: none; }
614                    ul.benefits li:before {
615                                                content: url(svg/checkbox_15_green.svg);
616                                                width: 15px;
617                        height: 15px;
618                        padding-right: 5px;
619                    }
620                    </style>
621                    <ul class="benefits">
622                        <li>No commitment</li>
623                        <li>No deposit for appraisal or credit report required</li>
624                        <li>Need a fast close? Ask for an express pass </li></ul>
625                </div>
626                                <!--<p class="google-home-reviews"><b>5.0</b> <img src="https://citycreekmortgage.com/wp-content/themes/city-creek/assets/img/yellowstars.svg" alt="5-star ratings" class="img-fluid"> 2,805 Google Reviews</p>-->
627                <div style="width: 360px;"><div id="google-business-reviews-rating-2" class="google-business-reviews-rating gmbrr badge tiny no-outline stars-color link" data-href="https://search.google.com/local/reviews?placeid=ChIJWRIE_KeHUocRRPrv_YRj8vs" data-stars="#fbbc04">
628	<p class="rating"><span class="attribution google-icon" title="Powered by Google"></span> <span class="number">5.0</span> <span class="all-stars"><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span></span> <span class="count">2,792 reviews</span></p>
629</div>
630</div>
631                			</div>
632
633		</div>
634		<div class="hero-side">
635			<div class="hero-card">
636                <div class="hero-app">
637								<img width="445" height="648" src="webp/single-phone-shell_graybg-2-1-445x648.webp" class="hero-img img-fluid wp-loaded" alt="Phone Backgroun
637d" data-no-lazy="1" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1-445x648.webp 445w, https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1-137x200.webp 137w, https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1-442x644.webp 442w, https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1-265x386.webp 265w, https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1-115x168.webp 115w, https://citycreekmortgage.com/wp-content/uploads/2022/04/Single-Phone-Shell_grayBG-2-1.webp 682w" sizes="(max-width: 445px) 100vw, 445px" />
638                    <a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="imageoverlay">
639                        <div class="app-top">
640                            <img src="svg/logo.svg" alt="City Creek Mortgage" class="app-logo img-fluid">
641                            <div class="app-edit">
642                                <img src="svg/pencil.svg" alt="Edit Serch" class="img-fluid"> Edit Search
643                            </div>
644
645                        </div>
646                        <div class="app-loading">
647                            <div class="floater">
648                                <img alt="City Creek Mortgage" src="png/logo_w.png">Loading<div class="dot-pulse"></div>
649                            </div>
650                        </div>
651                        <div class="app-nav">
652                            <div class="app-nav-item active">
653                                Loan Details
654                            </div>
655                            <div class="app-nav-item">
656                                Fee Sheet
657                            </div>
658                            <div class="app-nav-item">
659                                 Analyze Rate
660                            </div>
661                        </div>
662                        <div class="app-card-wrapper">
663                            <div class="app-card">
664                                <div class="app-summary">
665                                    <img src="svg/charts.svg" alt="">
666                                    Rate:<span class="app-rate-number"><div class="countme" data-jump="0" data-num="5.75">5.75</div>%</span>
667                                </div>
668
669                                <div class="app-card-rates">
670                                    <div class="app-card-rate mb10">
671                                        <div class="app-card-rate-title">
672                                            Purpose
673                                        </div>
674                                        <div class="app-card-rate-value">
675                                        Purchase                                        </div>
676                                    </div>
677                                    <div class="app-card-rate mb10">
678                                        <div class="app-card-rate-title">
679                                            Loan Term
680                                        </div>
681                                        <div class="app-card-rate-value">
682                                        30 Yr Fixed                                         </div>
683                                    </div>
684                                    <div class="app-card-rate mb10">
685                                        <div class="app-card-rate-title">
686                                            Closing Costs
687                                        </div>
688                                        <div class="app-card-rate-value">
689                                        $<div class="countme" data-jump="0" data-num="7080">7080</div>
690                                        </div>
691                                    </div>
692                                    <div class="app-card-rate mb10">
693                                        <div class="app-card-rate-title">
694                                            Monthly P&I
695                                        </div>
696                                        <div class="app-card-rate-value">
697                                        $<div class="countme" data-jump="0" data-num="2188.4">2188.4</div>
698                                        </div>
699                                    </div>
700                                    <div class="app-card-rate">
701                                        <div class="app-card-rate-title">
702                                            Loan Amount
703                                        </div>
704                                        <div class="app-card-rate-value">
705                                        $<div class="countme" data-jump="0" data-num="375000">375000</div>
706                                        </div>
707                                    </div>
708                                    <div class="app-card-rate">
709                                        <div class="app-card-rate-title">
710                                            APR
711                                        </div>
712                                        <div class="app-card-rate-value">
713                                        <div class="countme" data-jump="0" data-num="5.877">5.877</div>%
714                                        </div>
715                                    </div>
716                                </div>
717                                <div class="mb4 btn btn-blue-solid btn-micro btn-block">
718                                    See Rates &#8594;
719                                </div>
720                                <div class="mb4 app-card-footer">
721                                    Free & Easy Application
722                                </div>
723                            </div>
724                            <div class="app-card">
725                                <div class="app-summary-payment">
726                                    <img src="svg/charts.svg" alt="monthly payment">
727                                                                        Monthly Payment:<span class="app-rate-number">$<div class="countme" data-jump="0" data-num="2,507.15">2,507.15</div></span>
728                                </div>
729                                <div class="app-card-rates">
730                                    <div class="app-card-rate-table">
731                                        <div class="app-card-rate-title">
732                                            Principal & Interest
733                                        </div>
734                                        <div class="app-card-rate-value">
735                                        $<div class="countme" data-jump="0" data-num="2188.4">2188.4</div>
736                                        </div>
737                                    </div>
738                                    <div class="app-card-rate-table">
739                                        <div class="app-card-rate-title">
740                                            Mortgage Insurance
741                                        </div>
742                                        <div class="app-card-rate-value">
743                                        $<div class="countme" data-jump="0" data-num="0">0</div>
744                                        </div>
745                                    </div>
746                                    <div class="app-card-rate-table">
747                                        <div class="app-card-rate-title">
748                                            Est. Taxes
749                                        </div>
750                                        <div class="app-card-rate-value">
751                                        $<div class="countme" data-jump="0" data-num="234.38">234.38</div>
752                                        </div>
753                                    </div>
754                                    <div class="app-card-rate-table">
755                                        <div class="app-card-rate-title">
756                                            Est. Insurance
757                                        </div>
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848<div  style="max-width: 950px; margin: 96px auto 0;">
849<h2 style="text-align: center;">City Creek Mortgage:<br />
850金刚体彩福彩+金刚直播体育官方数据- Mortgage Broker</h2>
851<p>We became a licensed mortgage brokerage in Draper, Utah, in 1998. We had one goal: make home loans in Utah more affordable and transparent for home buyers. We never hide our mortgage and 实时更新一站式查看 rates, and we try our best to have an online rate and fee quote experience as close as possible to the ones you receive at closing. We are constantly improving our mortgage experience and providing a higher value at a lower price.</p>
852<p>The sole interest of our team is to help save our clients money when they buy or refinance a home. We do this by learning about each client’s specific goals and needs, then offer advice based on our experience and finance principles. <a href="https://www.scotsmanguide.com/rankings/top-originators/2022/top-mortgage-brokers" target="_blank" rel="noopener">We are the #3 mortgage KINGKONG真人游戏官网,主打极致体验,结果精准,支持在线实时直播展示。 in the US, and #1 Mortgage Broker in Utah according to Scotman’s Guide.</a> We want to be the most trusted, respected, and loved mortgage company in Utah.</p>
853</div>
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867<div  id="google-business-reviews-rating-3" class="google-business-reviews-rating gmbrr columns three bubble center">
868	<h2 class="heading"><span class="icon"><img src="png/favicon_180-2.png" alt="City Creek Mortgage Icon"></span>City Creek Mortgage</h2>
869	<p class="vicinity">11910 S State St #100, Draper</p>
870	<p class="rating"><span class="number">5.0</span> <span class="all-stars animate"><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span><span class="star"></span></span> <a href="https://search.google.com/local/reviews?placeid=ChIJWRIE_KeHUocRRPrv_YRj8vs" target="_blank" rel="nofollow" class="count">2,792 reviews</a></p>
871<ul class="listing">
872		<li class="rating-5" data-index="0">
873			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/108681455037424020408/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjXofQJx5i0kdd7ayFK1CXpj-ZFZgbyEUJK0159fhkJ159wr4GA=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
874			<span class="review-meta">
875				<span class="author-name"><a href="https://www.google.com/maps/contrib/108681455037424020408/reviews" target="_blank" rel="nofollow">Rachel Wood</a></span>
876			</span>
877			<div class="text text-excerpt"><span class="review-snippet">⭐️⭐️⭐️⭐️⭐️<br>
878				We had an amazing experience working with City Creek Mortgage, especially Alexis Carter and Sefa Gasu! They made the entire loan process so smooth and stress-free from start to finish. As first-time homebuyers, we had a lot of</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> questions, and both Alexis and Sefa went above and beyond to make sure we understood every step along the way. They were always quick to respond, professional, and genuinely cared about helping us get the best loan possible. Thanks to their dedication and expertise, everything was handled efficiently and we were able to close on our first home without a hitch. We’re so grateful for their help and highly recommend City Creek Mortgage to anyone buying a home!</span></div>
879			<span class="review-meta">
880				<span class="rating">★★★★★</span>
881				<span class="relative-time-description">a week ago</span>
882			</span>
883		</li>
884		<li class="rating-5" data-index="1">
885			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/111509775717366402769/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjWrN1LDcFOUCR9prWcMh2pc_ojTY5jKSOIlC6YVmnhk_CAyhjbrKA=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
886			<span class="review-meta">
887				<span class="author-name"><a href="https://www.google.com/maps/contrib/111509775717366402769/reviews" target="_blank" rel="nofollow">Sara France</a></span>
888			</span>
889			<div class="text text-excerpt"><span class="review-snippet">City Creek Mortgage truly went above and beyond!<br>
890				We had a very long and drawn-out process with both our home sale and our new purchase, and through it all, Troy and 
890Sefa at City Creek Mortgage were the absolute glue that held everything</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> together. They were always steady, responsive, and proactive — making sure every step stayed on track even when things got complicated.<br>
891				Their speed, follow-through, and communication were next-level. What really stood out, though, was how genuinely they cared. We never felt like just another file — Troy and Sefa were invested in making sure we got into our home and made it happen, even when the process tested everyone’s patience.<br>
892				If you want a lending team that combines professionalism, heart, and hustle, City Creek (and especially Troy and Sefa!) are the ones you want in your corner. We couldn’t be more grateful for them!</span></div>
893			<span class="review-meta">
894				<span class="rating">★★★★★</span>
895				<span class="relative-time-description">a week ago</span>
896			</span>
897		</li>
898		<li class="rating-5" data-index="2">
899			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/109877516356258364851/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjU6Hx-A4HH4XnnRxKuuulr3e7TOvaZcfZQaREcNzlnyN4iWDABp=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
900			<span class="review-meta">
901				<span class="author-name"><a href="https://www.google.com/maps/contrib/109877516356258364851/reviews" target="_blank" rel="nofollow">Amber Robison</a></span>
902			</span>
903			<div class="text text-excerpt"><span class="review-snippet">Sefa and Devyn at City Creek were easily one of the best teams I’ve ever worked with! They were quick to respond, answered all my questions, and walked me through every step of the refinance process. Everything felt smooth and stress-free</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> from start to finish. I’d highly recommend them to anyone looking for a knowledgeable and supportive team!</span></div>
904			<span class="review-meta">
905				<span class="rating">★★★★★</span>
906				<span class="relative-time-description">3 weeks ago</span>
907			</span>
908		</li>
909		<li class="rating-5" data-index="3">
910			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/116008038467931848159/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjUP3P1l5KqLB626Bt5T9akRIOcvQ1LP7lU-AHSuAjM09d5gJi3Y=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
911			<span class="review-meta">
912				<span class="author-name"><a href="https://www.google.com/maps/contrib/116008038467931848159/reviews" target="_blank" rel="nofollow">Stefania Boornazian</a></span>
913			</span>
914			<div class="text text-excerpt"><span class="review-snippet">After a terrible experience trying to refinance with our existing lender we found City Creek Mortgage and couldn’t be happier. Devyn and her team are wonderful to work with, highly responsive, patient with all your questions, and the whole</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> process was a breeze. You’ll feel valued as a customer every step of the way and they go out of their way to earn your business. I would highly recommend them!</span></div>
915			<span class="review-meta">
916				<span class="rating">★★★★★</span>
917				<span class="relative-time-description">3 weeks ago</span>
918			</span>
919		</li>
920		<li class="rating-5" data-index="4">
921			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/100591708965904598366/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjXONW4e_7X7NOTc1fhLcnejC380wPjaIIxeAxlZzxOFYz4_NLyjPQ=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
922			<span class="review-meta">
923				<span class="author-name"><a href="https://www.google.com/maps/contrib/100591708965904598366/reviews" target="_blank" rel="nofollow">Ken Duncan</a></span>
924			</span>
925			<div class="text text-excerpt"><span class="review-snippet">I have nothing but good things to say about City Creek mortgage but especially Alexis and Sefa. I ended up being under contract three times. Had to back out twice because of inspection issues. The third time was a charm and I found my dream</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> house and that&#039;s everything I wanted in a house. Alexis is so good to work with always getting back to me when I had questions or problems. I recommend City Creek to anyone looking to refinance or buy their first home. Thanks so much for all that you guys have done.</span></div>
926			<span class="review-meta">
927				<span class="rating">★★★★★</span>
928				<span class="relative-time-description">5 months ago</span>
929			</span>
930		</li>
931		<li class="rating-5" data-index="5">
932			<span class="author-avatar"><a href="https://www.google.com/maps/contrib/109893476045323165159/reviews" target="_blank" rel="nofollow"><img src="https://lh3.googleusercontent.com/a-/ALV-UjX1iwyAxBAcq6rolRjx_7hxwuP87YD_K7Nn8pVsWic3sfO8-L4F=s128-c0x00000000-cc-rp-mo" alt="Avatar"></a></span>
933			<span class="review-meta">
934				<span class="author-name"><a href="https://www.google.com/maps/contrib/109893476045323165159/reviews" target="_blank" rel="nofollow">Marc Whiting</a></span>
935			</span>
936			<div class="text text-excerpt"><span class="review-snippet">City Creek Mortgage did an incredible job with our home refinance.  I love their online tool that allows for transparency and clarity when trying to see what interest rate and fee structure would work best for us.  The cost to close our</span> <span class="review-more-placeholder">… More</span><span class="review-full-text"> loan was less than expected and we still got a rate that worked for us.<br>
937				Temara and Marisol were great to work with.  They responded to our requests quickly, and they kept us informed at every step of the way.  Incredible customer service, that we really do appreciate!  Thank y
937ou City Creek Mortgage, we will definitely be referring all our family and friends to you!<br>
938				Marc and Stacy W.</span></div>
939			<span class="review-meta">
940				<span class="rating">★★★★★</span>
941				<span class="relative-time-description">6 months ago</span>
942			</span>
943		</li>
944	</ul>
945	<p class="attribution"><span class="powered-by-google" title="Powered by Google"></span></p>
946</div>
947
948</div>
949
950<div data-wpr-lazyrender="1" class="wrap five-secrets ">
951    <div  class="five-secrets-slide-image">
952        
953                     <img width="648" height="588" src="webp/ccm_mockup-1-e1680623807683-648x588.webp" class="img-fluid wp-loaded" alt="A book standing vertically titled 19 tips for first time home buyers" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-648x588.webp 648w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-220x200.webp 220w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-972x883.webp 972w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-768x697.webp 768w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-312x283.webp 312w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683-168x153.webp 168w, https://citycreekmortgage.com/wp-content/uploads/2023/04/CCM_MockUp-1-e1680623807683.webp 1021w" sizes="(max-width: 648px) 100vw, 648px" />            
954        
955    </div> 
956    
957    <div  class="five-secrets-slide-content">
958            <p class="sub-title"></p>
959            <span class="title">19 Things Every First Time Home Buyer Should Know: Ultimate Guide</span>
960            <p class="content">Feeling overwhelmed yet? This guide was made specifically for the first-time home buyer looking to navigate through the confusing jargon, overwhelming paperwork, and daunting decisions that come with purchasing a home. This is a must-read!  </p>
961                            <a href="https://share.hsforms.com/1mKh3EYBPTtiOcWSL4sjpnw3xyty" class="btn btn-large btn-orange-solid">Download eBook </a>
962                        
963    </div>
964    <div id="fivesecretsform" class="five-secrets-slide-content-form" data-hubform='
964<script charset="utf-8" type="text/javascript" src="js/v2.js"></script>
vendor: 1 bytes, line 964
964
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971'>
972        
973    </div>
974    
975</div><div data-wpr-lazyrender="1" class="wrap">
976	<div  class="four-steps">
977		<div class="sub-title"></div>
978		<div  class="title">4 Easy Steps to Save</div>
979		<div class="four-cards">
980			<div class="card-3rds">
981							<img src="svg/one.svg" class="img-fluid card-icon w52 wp-loaded" alt="" decoding="async" />				
982				<div class="card-title">Review Our Low Rates Online</div>
983				<div class="card-content">See our rates to learn what options are best for you.</div>
984							</div>
985			<div class="card-3rds">
986							<img src="svg/two.svg" class="img-fluid card-icon w52 wp-loaded" alt="" decoding="async" />				
987				<div class="card-title">Answer Basic Questions</div>
988				<div class="card-content">Provide answers to simple, very straight-forward questions.</div>
989							</div>
990			<div class="card-3rds">
991							<img src="svg/three.svg" class="img-fluid card-icon w52 wp-loaded" alt="" decoding="async" />				
992				<div class="card-title">Upload Some Documents</div>
993				<div class="card-content">Provide needed documents to verify your information.</div>
994							</div>
995			<div class="card-3rds">
996							<img src="svg/four.svg" class="img-fluid card-icon w52 wp-loaded" alt="" decoding="async" />				
997				<div class="card-title">Close Confidently and Save</div>
998				<div class="card-content">In as little as two weeks, close with the best loan for you.</div>
999							</div>
1000			
1001		</div>
1002				<div class="btn-group">
1003			<a href="index-3.html" class="btn btn-large btn-orange-solid">Start Step 1 - See Rates</a>
1004		</div>
1005	</div>
1006</div><div data-wpr-lazyrender="1" class="rate-tracking  ">
1007	<div  class="wrap">
1008	            
1009							<a href="index-30.html" class="orange-card" style="background-image: url('png/citycreekmortgage_freehomevaluereport_phone_full.png')">
1010						<div class="rate-tracking-side">
1011				<div class="sub-title">
1012					Home Equity				</div>
1013				<div class="h2">
1014					See how much your equity has grown				</div>
1015								<div class="btn btn-large btn-white btn-wide">Request Report</div>
1016							</div>
1017		<div class="rate-tracking-side" style="background-size: cover; background-position: center center; background-image: url('png/citycreekmortgage_freehomevaluereport_phone_full.png');">
1018        			</div>
1019							</a>
1020					
1021	</div>
1022</div><div data-wpr-lazyrender="1" class="wrap">
1023	<div  class="comparison-table">
1024		<div  class="title">We wish all decisions in life were this easy</div>
1025		<table class="comp-table" cellspacing="0">
1026            <thead class="comp-table-header">
1027                <td class="">
1028                    
1029                </td>
1030                <td class="comp-table-item theader orange-bg">
1031                    City Creek Mortgage                </td>
1032                <td class="comp-table-item theader">
1033                    Internet Mtg Co.                </td>
1034                                    <td class="comp-table-item theader">
1035                        Typical Mtg Co.                    </td>
1036                            </thead>
1037            <tbody>
1038                                                            <tr class="comp-table-row">
1039                            <td class="comp-table-item">
1040                                Access to instant rate & fee quotes with no personal info                            </td>
1041                            <td class="comp-table-item orange-bg">
1042                                <img src="svg/check_orange.svg" alt="Access to instant rate & fee quotes with no personal info" class="img-fluid">                            </td>
1043                            <td class="comp-table-item">
1044                            <img src="svg/flat_circle.svg" alt="Access to instant rate & fee quotes with no personal info" class="img-fluid">                            </td>
1045                                                        <td class="comp-table-item">
1046                                                        </td>
1047                                                    </tr>
1048                                            <tr class="comp-table-row">
1049                            <td class="comp-table-item">
1050                                Extended hours on weekdays & weekends                            </td>
1051                            <td class="comp-table-item orange-bg">
1052                                <img src="svg/check_orange.svg" alt="Extended hours on weekdays & weekends" class="img-fluid">                            </td>
1053                            <td class="comp-table-item">
1054                            <img src="svg/flat_circle.svg" alt="Extended hours on weekdays & weekends" class="img-fluid">                            </td>
1055                                                        <td class="comp-table-item">
1056                                                        </td>
1057                                                    </tr>
1058                                            <tr class="comp-table-row">
1059                            <td class="comp-table-item">
1060                                Local Market Expertise                            </td>
1061                            <td class="comp-table-item orange-bg">
1062                                <img src="svg/check_orange.svg" alt="Local Market Expertise" class="img-fluid">                            </td>
1063                            <td class="comp-table-item">
1064                                                        </td>
1065                                                        <td class="comp-table-item">
1066                            <img src="svg/check_orange.svg" alt="Local Market Expertise" class="img-fluid">                            </td>
1067                                                    </tr>
1068                                            <tr class="comp-table-row">
1069                            <td class="comp-table-item">
1070                                Access to generate fee sheet, online, 24/7                            </td>
1071                            <td class="comp-table-item orange-bg">
1072                                <img src="svg/check_orange.svg" alt="Access to generate fee sheet, online, 24/7" class="img-fluid">                            </td>
1073                            <td class="comp-table-item">
1074                                                        </td>
1075                                                        <td class="comp-table-item">
1076                                                        </td>
1077                                                    </tr>
1078                                            <tr class="comp-table-row">
1079                            <td class="comp-table-item">
1080                                No upfront appraisal or credit report fees                            </td>
1081                            <td class="comp-table-item orange-bg">
1082                                <img src="svg/check_orange.svg" alt="No upfront appraisal or credit report fees" class="img-fluid">                            </td>
1083                            <td class="comp-table-item">
1084                                                        </td>
1085                                                        <td class="comp-table-item">
1086                                                        </td>
1087                                                    </tr>
1088                                            <tr class="comp-table-row">
1089                            <td class="comp-table-item">
1090                                Salary-based loan officers                            </td>
1091                            <td class="comp-table-item orange-bg">
1092                                <img src="svg/check_orange.svg" alt="Salary-based loan officers" class="img-fluid">                            </td>
1093                            <td class="comp-table-item">
1094                                                        </td>
1095                                                        <td class="comp-table-item">
1096                                                        </td>
1097                                                    </tr>
1098                                            <tr class="comp-table-row">
1099                            <td class="comp-table-item">
1100                                Custom rate & closing cost analysis that saves you the most money                            </td>
1101                            <td class="comp-table-item orange-bg">
1102                                <img src="svg/check_orange.svg" alt="Custom rate & closing cost analysis that saves you the most money" class="img-fluid">                            </td>
1103                            <td class="comp-table-item">
1104                                                        </td>
1105                                                        <td class="comp-table-item">
1106                                                        </td>
1107                                                    </tr>
1108                                            <tr class="comp-table-row">
1109                            <td class="comp-table-item">
1110                                ⭐️⭐️⭐️⭐️⭐️  Google rating with thousands of reviews                            </td>
1111                            <td class="comp-table-item orange-bg">
1112                                <img src="svg/check_orange.svg" alt="⭐️⭐️⭐️⭐️⭐️  Google rating with thousands of reviews" class="img-fluid">                            </td>
1113                            <td class="comp-table-item">
1114                                                        </td>
1115                                                        <td class="comp-table-item">
1116                                                        </td>
1117                                                    </tr>
1118                                            <tr class="comp-table-row">
1119                            <td class="comp-table-item">
1120                                Close Happy Guarantee (when refinancing)                            </td>
1121                            <td class="comp-table-item orange-bg">
1122                                <img src="svg/check_orange.svg" alt="Close Happy Guarantee (when refinancing)" class="img-fluid">                            </td>
1123                            <td class="comp-table-item">
1124                                                        </td>
1125                                                        <td class="comp-table-item">
1126                                                        </td>
1127                                                    </tr>
1128                                                </tbody>
1129        </table>
1130		<div class="btn-group">
1131			<a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="btn btn-large btn-orange-solid">Start Loan Process</a>
1132		</div>
1133	</div>
1134</div><div data-wpr-lazyrender="1" class="featured-video wrap">
1135    <div  class="subtitle">Shopping for a Home?</div>
1136    <div class="title">Mortgage Rates aren't THAT complicated.</div>
1137    <div  class="cta-text">See our latest TV commercial</div>
1138    <div data-youtube="https://player.vimeo.com/video/805240185?h=5f178d7ed4&autoplay=1" class="video-image video cmmtag" data-label="Mortgage Rates aren't THAT complicated." data-category="Video Opened">
1139                        <img width="648" height="365" src="jpg/ratequotesarentthatcomplicated-648x365.jpg" class="img-fluid wp-loaded" alt="a man and a woman are talking to each other." decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-648x365.jpg 648w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-222x125.jpg 222w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-768x432.jpg 768w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-312x176.jpg 312w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-256x144.jpg 256w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated-168x95.jpg 168
1139w, https://citycreekmortgage.com/wp-content/uploads/2023/03/RateQuotesArentThatComplicated.jpg 960w" sizes="(max-width: 648px) 100vw, 648px" />            
1140    </div>
1141    <a href="index-3.html" class="btn btn-large btn-orange-solid">Check your rate & fees now</a>
1142</div><div data-wpr-lazyrender="1" class="pain-6-block">
1143    <div  class="wrap benefits-6-block-wrap">
1144        
1145        <div class="benefits-6-block-title">
1146            The traditional mortgage process sucks        </div>
1147        <div class="benefits-6-block-content">
1148                                                    <div class="benefits-6-box">
1149                                <img src="svg/smallcheck.svg" alt="You're afraid of paying thousands more than you should" class="img-fluid">
1150                                <div class="benefits-6-block-sub-title">
1151                                
1152                                    You're afraid of paying thousands more than you should                                </div>
1153                        </div>
1154                                            <div class="benefits-6-box">
1155                                <img src="svg/smallcheck.svg" alt="You have no idea what your mortgage REALLY costs" class="img-fluid">
1156                                <div class="benefits-6-block-sub-title">
1157                                
1158                                    You have no idea what your mortgage REALLY costs                                </div>
1159                        </div>
1160                                            <div class="benefits-6-box">
1161                                <img src="svg/smallcheck.svg" alt="You feel confused about the mortgage process" class="img-fluid">
1162                                <div class="benefits-6-block-sub-title">
1163                                
1164                                    You feel confused about the mortgage process                                </div>
1165                        </div>
1166                                            <div class="benefits-6-box">
1167                                <img src="svg/smallcheck.svg" alt="You wish getting a mortgage was 10 times easier" class="img-fluid">
1168                                <div class="benefits-6-block-sub-title">
1169                                
1170                                    You wish getting a mortgage was 10 times easier                                </div>
1171                        </div>
1172                                            <div class="benefits-6-box">
1173                                <img src="svg/smallcheck.svg" alt="You’re struggling to know if you qualify" class="img-fluid">
1174                                <div class="benefits-6-block-sub-title">
1175                                
1176                                    You’re struggling to know if you qualify                                </div>
1177                        </div>
1178                                            <div class="benefits-6-box">
1179                                <img src="svg/smallcheck.svg" alt="You don't know... what you don't know" class="img-fluid">
1180                                <div class="benefits-6-block-sub-title">
1181                                
1182                                    You don't know... what you don't know                                </div>
1183                        </div>
1184                                            </div>
1185        <div class="benefits-6-block-text">
1186            You deserve better. Which is why we've built an easy experience to close you quickly and save you money.        </div>
1187                <div class="btn-group">
1188            <a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="btn btn-large btn-orange-solid"> Continue to Application</a>
1189        </div>
1190        
1191    </div>
1192</div><div data-wpr-lazyrender="1" class="wrap featured-video-left">
1193    <div  class="featured-wrap">
1194        <div class="subtitle">From Mortgage Mike</div>
1195        <div class="title">Why Does City Creek Save Me Money?</div>
1196        <div class="cta-text">“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."</div>
1197        <a href="index-3.html" class="btn btn-large btn-orange-solid">See Rates & Save</a>
1198    </div>
1199    <div  class="featured-wrap">
1200        <div data-youtube="https://player.vimeo.com/video/657919793?h=1ff6a417fc&autoplay=1" class="video-image video">
1201                    <img width="640" height="427" src="jpg/mortgagemiketobi-play.jpg" class="img-fluid wp-loaded" alt="" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play.jpg 640w, https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play-222x148.jpg 222w, https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play-300x200.jpg 300w, https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play-256x171.jpg 256w, https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play-312x208.jpg 312w, https://citycreekmortgage.com/wp-content/uploads/2023/07/MortgageMikeTobi-play-168x112.jpg 168w" sizes="(max-width: 640px) 100v
1201w, 640px" />        </div>
1202    </div>
1203    
1204</div>
1205<div data-wpr-lazyrender="1" class="testimonial-block">
1206    <div  class="wrap ">
1207                
1208        <div class="testimonial-block-testimonial">
1209            <img src="svg/quotes.svg" alt="Quotes" class="img-fluid">
1210            "When they say expect to save money they are right. I think going with City Creek saved me at least $4,000 over other quotes and they were easy to work with."            <div class="testimonial-block-name">
1211                Justin J.            </div>
1212        </div>
1213        
1214    </div>
1215</div><style>
1216	.wysiwyg {
1217		width: 90%;
1218		
1219		margin: 2em auto;
1220	}
1221	.wysiwyg a img {
1222		width: 100%;
1223		height: auto;
1224	}
1225</style>
1226<div data-wpr-lazyrender="1" class="wrap wysiwyg">
1227</div>
1228
1229	 <div  class="header-cta " >
1230    <div  class="wrap">
1231    <div class="imgwrap">&nbsp;
1232	<img class="img-fluid wp-loaded" src="png/mortgagemiketobi-e1705533526547.png">	
1233    </div>
1234    <div class="textwrap">
1235    <p class="h4">Have a quote from another lender? Let's see how much Mortgage Mike can save you.</p>
1236    <div class="btn-group justify-left">
1237					<a href="index-31.html" class="btn btn-normal btn-orange"> Compare my Loan Estimate (L.E.)</a>
1238			<a href="index-32.html" class="btn btn-normal btn-orange"> Compare my Fee Sheet</a>
1239		        </div>
1240        </div>
1241        </div>
1242		</div>
1243		
1244
1245<div data-wpr-lazyrender="1" class="tools-quick-answers wrap">
1246        <div  class="tools-quick-answers-subtitle">
1247            Tools & Quick Answers        </div>
1248        <div  class="tools-quick-answers-title">
1249            Looking for some simple answers?        </div>
1250                <div  class="slide-selectors">
1251            <input type="radio" name="select" id="tools1" checked>
1252            <input type="radio" name="select" id="tools2">
1253            <label for="tools1" data-id="tools1" class="option slide-selector-left">
1254                
1255                <span>Purchase</span>
1256                </label>
1257            <label for="tools2" data-id="tools2" class="option slide-selector-right">
1258                
1259                <span> Refinance</span>
1260            </label>
1261           
1262        </div>
1263                <div  class="tools-quick-answers-wrapper">
1264            <div class="tools-quick-answers-left">
1265                                                            <a href="index-33.html" class="tools-quick-answers-slide">
1266                            <div class="tools-slide-wrapper">
1267                                <div class="tools-quick-answers-slide-title">
1268                                    Affordability Calculator                                </div>
1269                                <div class="tools-quick-answers-slide-info">
1270                                    See how much how you can afford                                </div>
1271                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1272                                    Get Price Range                                </div>
1273                            </div>
1274                                        <img width="168" height="168" src="png/affordabilility-calc-168x168.png" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="affordability calc" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabilility-calc-168x168.png 168w, https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabilility-calc-200x200.png 200w, https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabilility-calc-150x150.png 150w, https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabilility-calc-312x312.png 312w, https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabilility-calc.png 601w" sizes="(max-width: 168px) 100vw, 168px" />            
1275                        </a>
1276                                            <a href="index-34.html" class="tools-quick-answers-slide">
1277                            <div class="tools-slide-wrapper">
1278                                <div class="tools-quick-answers-slide-title">
1279                                    Pre-qual Letter                                </div>
1280                                <div class="tools-quick-answers-slide-info">
1281                                    Make your offer stronger with a pre-qual letter                                </div>
1282                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1283                                    Request Letter                                </div>
1284                            </div>
1285                                        <img width="1" height="1" src="svg/1-prequal-pur.svg" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="Contract" decoding="async" />            
1286                        </a>
1287                                            <a href="index-30.html" class="tools-quick-answers-slide">
1288                            <div class="tools-slide-wrapper">
1289                                <div class="tools-quick-answers-slide-title">
1290                                    Free Home Value Report                                </div>
1291                                <div class="tools-quick-answers-slide-info">
1292                                    See your current or future home’s worth                                </div>
1293                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1294                                    Request Value Report                                </div>
1295                            </div>
1296                                        <img width="168" height="168" src="png/h
1296ome_value_report-168x168.png" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="Home Value Report" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/03/home_value_report.png 168w, https://citycreekmortgage.com/wp-content/uploads/2022/03/home_value_report-150x150.png 150w" sizes="(max-width: 168px) 100vw, 168px" />            
1297                        </a>
1298                                            <a href="index-31.html" class="tools-quick-answers-slide">
1299                            <div class="tools-slide-wrapper">
1300                                <div class="tools-quick-answers-slide-title">
1301                                    Second Opinion                                </div>
1302                                <div class="tools-quick-answers-slide-info">
1303                                    Compare another company’s Loan Estimate                                </div>
1304                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1305                                    Show Comparison                                </div>
1306                            </div>
1307                                        <img width="1" height="1" src="svg/second-opinion-2.svg" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="Second Opinion" decoding="async" />            
1308                        </a>
1309                                                </div>
1310            <div class="tools-quick-answers-right ">
1311                                                            <a href="index10e0.html" class="tools-quick-answers-slide">
1312                        <div class="tools-slide-wrapper">
1313                                <div class="tools-quick-answers-slide-title">
1314                                    Find your best rate                                </div>
1315                                <div class="tools-quick-answers-slide-info">
1316                                    See refinance rates in 45 seconds. No personal info required.                                </div>
1317                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1318                                    See Refi Rates                                </div>
1319                            </div>
1320                                        <img width="167" height="168" src="png/affordabililitycalc.png" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="affordability calc" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabililitycalc.png 168w, https://citycreekmortgage.com/wp-content/uploads/2022/03/affordabililitycalc-150x150.png 150w" sizes="(max-width: 167px) 100vw, 167px" />            
1321                        </a>
1322                                            <a href="index-35.html" class="tools-quick-answers-slide">
1323                        <div class="tools-slide-wrapper">
1324                                <div class="tools-quick-answers-slide-title">
1325                                    Free mortgage review                                </div>
1326                                <div class="tools-quick-answers-slide-info">
1327                                    See how your current mortgage stacks up with your goals.                                </div>
1328                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1329                                    Start Review                                </div>
1330                            </div>
1331                                        <img width="167" height="168" src="png/prequalify.png" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="prequalify" decoding="async" srcset="https://citycreekmortgage.com/wp-content/uploads/2022/03/prequalify.png 168w, https://citycreekmortgage.com/wp-content/uploads/2022/03/prequalify-150x150.png 150w" sizes="(max-width: 167px) 100vw, 167px" />            
1332                        </a>
1333                                            <a href="index-36.html" class="tools-quick-answers-slide">
1334                        <div class="tools-slide-wrapper">
1335                                <div class="tools-quick-answers-slide-title">
1336                                    Digital loan officer                                </div>
1337                                <div class="tools-quick-answers-slide-info">
1338                                    Rate timeline savings analysis (for nerds 🤓)                                </div>
1339                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1340                                    Analyze Best Rate                                </div>
1341                            </div>
1342                                        <img width="1" height="1" src="svg/dlo.svg" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="" decoding="async" />            
1343                        </a>
1344                                            <a href="index-31.html" class="tools-quick-answers-slide">
1345                        <div class="tools-slide-wrapper">
1346                                <div class="tools-quick-answers-slide-title">
1347                                    Compare your quote                                </div>
1348                                <div class="tools-quick-answers-slide-info">
1349                                    Compare another company’s Loan Estimate                                </div>
1350                                <div class="btn btn-large btn-orange tools-quick-answers-slide-button">
1351                                    Compare Quotes                                </div>
1352                            </div>
1353                                        <img width="1" height="1" src="svg/second-opinion-2.svg" class="tools-quick-answers-slide-image img-fluid wp-loaded fix-size" alt="Second Opinion" decoding="async" />            
1354                        </a>
1355                                                
1356            
1357            
1358             </div>
1359    
1360        </div>
1361</div>
1362<div data-wpr-lazyrender="1" class="frequently-asked-questions">
1363    <div class="sub-title">Frequently Asked Questions</div>
1364    <div class="title"></div>
1365    <div  class="faqs">
1366                                    <div class="faq">
1367                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> Why go with City Creek over a credit union?</div>
1368                    <div class="answer"><p>Both mortgage brokers and credit unions can be good options for refinancing or purchasing a home.</p>
1369
1370<p>Credit unions are nonprofit organizations that are owned and controlled by their members. If you have an account at a local credit union, you're likely a member. Although credit unions offer the best auto loan rates, they often have mortgage rates that are not as competitive. In some cases, they may provide personalized service and flexible underwriting criteria. Additionally, credit unions offer additional financial products and services that can be benef
1370icial to their members.</p>
1371
1372<p>Mortgage brokers, on the other hand, specialize in mortgage loans. They often do not offer other financial products. Brokers find lenders with great rates and help borrowers choose the option that meets their needs best. At City Creek Mortgage, we have access to a wider range of mortgage products with low rates, from different lenders and can help you find the best mortgage to meet your needs. For most borrowers, their best loan will be a 30 year fixed mortgage. Additionally, we can help you navigate the mortgage process from submitting your application all the way through funding.</p>
1373
1374<p>In general, if you're looking for a wide range of mortgage options and personalized advice in Utah, a mortgage broker may be a better option for you.</p></div>
1375                </div>
1376                            <div class="faq">
1377                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> What&#8217;s the best loan for a residential property?</div>
1378                    <div class="answer">The best loan for a residential property in Utah depends on a variety of factors, including your financial situation, credit score, and the type of property you're looking to purchase. Here are a few popular loan options in Utah to consider:
1379<ul>
1380<li>Conventional mortgage: A conventional mortgage is the most common mortgage type there is. It’s a loan that is not insured or guaranteed by the government. Conventional loans (sometimes called conforming loans) are an ideal loan for borrowers with good credit and a stable income. Conventional mortgages usually require a higher down payment and have strict underwriting criteria. Conforming mortgage limits do apply. </li>
1381
1382
1383<li>Federal Housing Administration (FHA) loan: An FHA loan is a government-backed loan that is designed to help lower-income and first-time homebuyers purchase a home. FHA loans have more lenient credit and income requirements, and they require a lower down payment. In 2023, Utah's FHA loan limits range from $472,030 to $1,089,300 for a single-family home.</li>
1384
1385<li>Veterans Affairs (VA) loan: A VA loan is a government-backed loan that is available to eligible active-duty military personnel and veterans. VA loans have more lenient credit and income requirements and require no down payment. There are limits on VA loans in Utah, and they vary by county.</li>
1386
1387
1388<li>Non-Conforming or Jumbo Loan: These loans are designed for high-income borrowers looking to purchase a high-value property with a loan amount higher than conforming loan limits. You can get a Jumbo adjustable-rate mortgage (ARM) or a Jumbo fixed-rate mortgage. They are not insured or guaranteed by the government. They are the main mortgage option for high loan amounts. Jumbo loans usually require 10% down.</li>
1389
1390<li>Adjustable-rate mortgage (ARM): An adjustable-rate mortgage is a type of mortgage where the interest rate changes over a predetermined schedule. ARMs usually start with a lower initial interest rate, and the rate adjusts over time, usually making the monthly mortgage payment more expensive.</li>
1391
1392<li>Fixed-rate mortgage: A fixed-rate mortgage is a type of mortgage where the interest rate remains the same over the entire term of the loan. This can make budgeting for your monthly mortgage payment easier, as the payment remains the same over time.</li>
1393</ul></div>
1394                </div>
1395                            <div class="faq">
1396                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> Why not just use my bank as my lender?</div>
1397                    <div class="answer"><p>A mortgage broker and a bank are both options for obtaining a mortgage loan, and each has its own advantages and disadvantages.</p>
1398
1399<p>Using a mortgage broker like City Creek Mortgage can be beneficial because brokers have access to a wide range of mortgage products from different lenders. This means that we can help you find the best mortgage for your needs and circumstances, saving you time by shopping around and comparing offers from multiple lenders for you.</p>
1400
1401<p>Additionally, we can help you navigate the mortgage process, offering guidance and advice. We can also help you understand the different types of mortgages available, explain the terms and conditions of each one, and help you choose the best option.</p>
1402
1403<p>On the other hand, some people prefer to use their own bank as a lender because they already have a relationship with the bank and trust the institution. Banks may also offer special deals or discounts to their existing customers, and you may be able to take advantage of these if you have an account with the bank. The tradeoff is, because banks have to spread risk across their lending products (including auto, and other loans), bank mortgage rates are typically higher than rates that mortgage brokers have access to.</p>
1404
1405<p>Ultimately, the choice between using a mortgage broker or your bank as a lender depends on your individual needs and circumstances. You should consider factors such as your credit score, financial situation, and the type of mortgage you need before making a decision.</p>
1406</div>
1407                </div>
1408                            <div class="faq">
1409                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> Does City Creek have licensed lenders outside of Utah?</div>
1410                    <div class="answer"><p>Yes, we are licensed in nine states and growing with lenders that cover them all! Outside of Utah, we are currently licensed to do loans in Colorado, California, Florida, Illinois, Michigan, Idaho, Kansas, and Oregon. If you're not in any of those states, we can put you in touch with a trusted City Creek partner that is licensed in the state you’re looking at.</p></div>
1411                </div>
1412                            <div class="faq">
1413                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> How will my credit score affect my mortgage rate?</div>
1414                    <div class="answer"><p>Your credit score is one of the key factors that lenders consider when determining the interest rate they are willing to offer you on a mortgage. In general, the higher your credit score, the lower your mortgage rate will be. This is because borrowers with high credit scores are considered less risky to lenders. As a result, lenders are willing to offer them lower interest rates to purchase their home.</p>
1415
1416<p>A credit score of 740 or higher is considered excellent and can qualify 
1416you for the best mortgage rates. A score between 700 and 739 is considered good and may result in a slightly higher interest rate. A score between 580 and 699 may result in an even higher interest rate. Scores below 580 are considered poor and can result in difficulty getting approved for a mortgage or, if you are approved, a significantly higher interest rate.</p>
1417
1418<p>Keep in mind that your credit score is just one factor that lenders consider when determining your mortgage rate. Other factors, such as your income, employment history, and debt-to-income ratio, are also important. Additionally, mortgage rates can change frequently, so it's a good idea to shop around and compare offers from different lenders to find the best deal.</p>
1419</div>
1420                </div>
1421                            <div class="faq">
1422                    <div class="question"><img alt="open question" src="svg/plus.svg" class="img-fluid"> What specialized loan products are offered?</div>
1423                    <div class="answer">Mortgage brokers have access to a wide range of loan products from different lenders, and we can help you find the best loan for your needs and circumstances. Some of the specialized loan products that many mortgage brokers can offer include:
1424<ul>
1425<li>No Cost Loans: This is a mortgage strategy where you take a higher interest rate in exchange for a credit that covers some of the loan costs.</li>
1426
1427<li>Portfolio loans: Portfolio loans are mortgage loans that are held and serviced by the lender instead of being sold on the secondary market. The
1427se loans may offer more flexible underwriting criteria and loan terms for borrowers with unique financial circumstances. These can be a great alternative if you're seeking alternative financing.</li>
1428
1429<li>Investment property loans: Investment property loans are designed for borrowers looking to purchase a property for investment purposes. These loans may have higher interest rates and fees, and they may have different underwriting criteria than other types of mortgage loans.</li>
1430</ul></div>
1431                </div>
1432                            
1432<script type="application/ld+json">
1433        { "@context": "https://schema.org", 
1434                    "@type": "FAQPage", 
1435                    "mainEntity": [
1436                                        {
1437                            "@type": "Question",
1438                            "name": "Why go with City Creek over a credit union?",
1439                            "acceptedAnswer": {
1440                            "@type": "Answer",
1441                            "text": "Both mortgage brokers and credit unions can be good options for refinancing or purchasing a home. Credit unions are nonprofit organizations that are owned and controlled by their members. If you have an account at a local credit union, you're likely a member. Although credit unions offer the best auto loan rates, they often have mortgage rates that are not as competitive. In some cases, they may provide personalized service and flexible underwriting criteria. Additionally, credit unions offer additional financial products and services that can be beneficial to their members. Mortgage brokers, on the other hand, specialize in mortgage loans. They often do not offer other financial products. Brokers find lenders with great rates and help borrowers choose the option that meets their needs best. At City Creek Mortgage, we have access to a wider range of mortgage products with low rates, from different lenders and can help you find the best mortgage to meet your needs. For most borrowers, their best loan will be a 30 year fixed mortgage. Additionally, we can help you navigate the mortgage process from submitting your application all the way through funding. In general, if you're looking for a wide range of mortgage options and personalized advice in Utah, a mortgage broker may be a better option for you."
1442                            }
1443                        },{
1444                            "@type": "Question",
1445                            "name": "What&#8217;s the best loan for a residential property?",
1446                            "acceptedAnswer": {
1447                            "@type": "Answer",
1448                            "text": "The best loan for a residential property in Utah depends on a variety of factors, including your financial situation, credit score, and the type of property you're looking to purchase. Here are a few popular loan options in Utah to consider: Conventional mortgage: A conventional mortgage is the most common mortgage type there is. It’s a loan that is not insured or guaranteed by the government. Conventional loans (sometimes called conforming loans) are an ideal loan for borrowers with good credit and a stable income. Conventional mortgages usually require a higher down payment and have strict underwriting criteria. Conforming mortgage limits do apply. Federal Housing Administration (FHA) loan: An FHA loan is a government-backed loan that is designed to help lower-income and first-time homebuyers purchase a home. FHA loans have more lenient credit and income requirements, and they require a lower down payment. In 2023, Utah's FHA loan limits range from $472,030 to $1,089,300 for a single-family home. Veterans Affairs (VA) loan: A VA loan is a government-backed loan that is available to eligible active-duty military personnel and veterans. VA loans have more lenient credit and income requirements and require no down payment. There are limits on VA loans in Utah, and they vary by county. Non-Conforming or Jumbo Loan: These loans are designed for high-income borrowers looking to purchase a high-value property with a loan amount higher than conforming loan limits. You can get a Jumbo adjustable-rate mortgage (ARM) or a Jumbo fixed-rate mortgage. They are not insured or guaranteed by the government. They are the main mortgage option for high loan amounts. Jumbo loans usually require 10% down. Adjustable-rate mortgage (ARM): An adjustable-rate mortgage is a type of mortgage where the interest rate changes over a predetermined schedule. ARMs usually start with a lower initial interest rate, and the rate adjusts over time, usually making the monthly mortgage payment more expensive. Fixed-rate mortgage: A fixed-rate mortgage is a type of mortgage where the interest rate remains the same over the entire term of the loan. This can make budgeting for your monthly mortgage payment easier, as the payment remains the same over time."
1449                            }
1450                        },{
1451                            "@type": "Question",
1452                            "name": "Why not just use my bank as my lender?",
1453                            "acceptedAnswer": {
1454                            "@type": "Answer",
1455                            "text": "A mortgage broker and a bank are both options for obtaining a mortgage loan, and each has its own advantages and disadvantages. Using a mortgage broker like City Creek Mortgage can be beneficial because brokers have access to a wide range of mortgage products from different lenders. This means that we can help you find the best mortgage for your needs and circumstances, saving you time by shopping around and comparing offers from multiple lenders for you. Additionally, we can help you navigate the mortgage process, offering guidance and advice. We can also help you understand the different types of mortgages available, explain the terms and conditions of each one, and help you choose the best option. On the other hand, some people prefer to use their own bank as a lender because they already have a relationship with the bank and trust the institution. Banks may also offer special deals or discounts to their existing customers, and you may be able to take advantage of these if you have an account with the bank. The tradeoff is, because banks have to spread risk across their lending products (including auto, and other loans), bank mortgage rates are typically higher than rates that mortgage brokers have access to. Ultimately, the choice between using a mortgage broker or your bank as a lender depends on your individual needs and circumstances. You should consider factors such as your credit score, financial situation, and the type of mortgage you need before making a decision."
1456                            }
1457                        },{
1458                            "@type": "Question",
1459                            "name": "Does City Creek have licensed lenders outside of Utah?",
1460                            "acceptedAnswer": {
1461                            "@type": "Answer",
1462                            "text": "Yes, we are licensed in nine states and growing with lenders that cover them all! Outside of Utah, we are currently licensed to do loans in Colorado, California, Florida, Illinois, Michigan, Idaho, Kansas, and Oregon. If you're not in any of those states, we can put you in touch with a trusted City Creek partner that is licensed in the state you’re looking at."
1463                            }
1464                        },{
1465                            "@type": "Question",
1466                            "name": "How will my credit score affect my mortgage rate?",
1467                            "acceptedAnswer": {
1468                            "@type": "Answer",
1469                            "text": "Your credit score is one of the key factors that lenders consider when determining the interest rate they are willing to offer you on a mortgage. In general, the higher your credit score, the lower your mortgage rate will be. This is because borrowers with high credit scores are considered less risky to lenders. As a result, lenders are willing to offer them lower interest rates to purchase their home. A credit score of 740 or higher is considered excellent and can qualify you for the best mortgage rates. A score between 700 and 739 is considered good and may result in a slightly higher interest rate. A score between 580 and 699 may result in an even higher interest rate. Scores below 580 are considered poor and can result in difficulty getting approved for a mortgage or, if you are approved, a significantly higher interest rate. Keep in mind that your credit score is just one factor that lenders consider when determining your mortgage rate. Other factors, such as your income, employment history, and debt-to-income ratio, are also important. Additionally, mortgage rates can change frequently, so it's a good idea to shop around and compare offers from different lenders to find the best deal."
1470                            }
1471                        },{
1472                            "@type": "Question",
1473                            "name": "What specialized loan products are offered?",
1474                            "acceptedAnswer": {
1475                            "@type": "Answer",
1476                            "text": "Mortgage brokers have access to a wide range of loan products from different lenders, and we can help you find the best loan for your needs and circumstances. Some of the specialized loan products that many mortgage brokers can offer include: No Cost Loans: This is a mortgage strategy where you take a higher interest rate in exchange for a credit that covers some of the loan costs. Portfolio loans: Portfolio loans are mortgage loans that are held and serviced by the lender instead of being sold on the secondary market. These loans may offer more flexible underwriting criteria and loan terms for borrowers with unique financial circumstances. These can be a great alternative if you're seeking alternative financing. Investment property loans: Investment property loans are designed for borrowers looking to purchase a property for investment purposes. These loans may have higher interest rates and fees, and they may have different underwriting criteria than other types of mortgage loans."
1477                            }
1478                        }                 ]
1479                }
1480        
1481        </script>
1481
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1484        <a href="index-21.html" class="btn btn-large btn-orange">I have another question</a>
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1498					Thinking about paying points for a lower rate?				</div>
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1500					See which rate will save you the most.				</div>
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1524    <div  class="large-testimonial">
1525        <div class="large-testimonial-quote">
1526            "2026金刚体育查询-KINGKONG网赛事在线观看-体育彩比赛现场直播 don’t even think I have witnessed such an easy transaction! We will definitely use them for all of our mortgage needs! Thank you!"        </div>
1527        <div class="large-testimonial-name">
1528            Brittany & Ryan R        </div>
1529        <div class="large-testimonial-position">
1530            Cash Out Refinance in Herriman, UT        </div>
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1534        
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1538        </div>
1539        
1540        <div class="where-were-slide">
1541            <div class="where-were-licensed-sub-title">
1542                Where We’re Licensed            </div>
1543            <div class="where-were-licensed-title">
1544                Keep that payment low in 9 states & growing            </div>
1545            <div class="states-2-column">
1546            
1547                        
1548                <div class="single-state">
1549                    <img src="svg/smallcheck.svg" alt="In California City" class="img-fluid"> <a href="index-37.html"> California</a>
1550                </div>
1551                
1552                        
1553                <div class="single-state">
1554                    <img src="svg/smallcheck.svg" alt="In Colorado City" class="img-fluid"> <a href="index-38.html"> Colorado</a>
1555                </div>
1556                
1557                        
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1559                    <img src="svg/smallcheck.svg" alt="In Florida City" class="img-fluid"> <a href="index-39.html"> Florida</a>
1560                </div>
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1562                        
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1564                    <img src="svg/smallcheck.svg" alt="In Idaho City" class="img-fluid"> <a href="index-40.html"> Idaho</a>
1565                </div>
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1567                        
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1569                    <img src="svg/smallcheck.svg" alt="In Illinois City" class="img-fluid"> <a href="index-41.html"> Illinois</a>
1570                </div>
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1572                        
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1574                    <img src="svg/smallcheck.svg" alt="In Kansas City" class="img-fluid"> <a href="index-42.html"> Kansas</a>
1575                </div>
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1577                        
1578                <div class="single-state">
1579                    <img src="svg/smallcheck.svg" alt="In Michigan City" class="img-fluid"> <a href="index-43.html"> Michigan</a>
1580                </div>
1581                
1582                        
1583                <div class="single-state">
1584                    <img src="svg/smallcheck.svg" alt="In Oregon City" class="img-fluid"> <a href="index-44.html"> Oregon</a>
1585                </div>
1586                
1587                        
1588                <div class="single-state">
1589                    <img src="svg/smallcheck.svg" alt="In Utah City" class="img-fluid"> <a href="index-45.html"> Utah</a>
1590                </div>
1591                            </div>
1592            
1593            <div class="where-were-licensed-info-block">
1594                <img src="svg/infoicon.svg" width="16px" height="16px" alt="info icon" class="img-fluid"> Not in one of these states? Let us know and we'll get you in touch with a trusted City Creek partner.            </div>
1595            <div class="btn-group">
1596                                    <a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="btn btn-large btn-orange-solid">
1597                        Apply Now                    </a>
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1599                    <a href="index-25.html" class="btn btn-large btn-orange">
1600                        View All Locations                    </a>
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1607        <div class="hours-card-title">
1608            Open early. Working late. 7 days a week.        </div>
1609        <div class="hours-divider">
1610            <div class="hours-divider-left">
1611                <img src="png/desktophours.png" alt="City Creek Mortgage Hours" class="desktop-img img-fluid">
1612                <img src="png/mobilehours.png" alt="City Creek Mortgage Hours" class="mobile-img img-fluid">
1613            </div>
1614            <div class="hours-divider-right">
1615                <div class="hours-card-subtitle">
1616                    金刚体彩记录直播-福彩KINGKONG官网历史数据汇总与统计参考<br />We'll work around your schedule.                </div>
1617                <div class="hours-card-info">
1618                    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.                </div>
1619                <div class="btn-group">
1620                                        <a href="tel:801-501-7950" class="btn btn-large btn-orange-solid btn-cta">
1621                        Call us! 801-501-7950                    </a>
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1630    <a href="https://www.blink.mortgage/app/signup/p/CCM/michaelroberts?campaign=web" class="wrap cta-section-wrap">
1631        <div class="cta-section-subtitle">
1632            We've Made it Easy to        </div>
1633        <div class="cta-section-title">
1634            Outsmart the Mortgage Industry and Save Thousands        </div>
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