When Tobi and I started City Creek Mortgage in 1998, we set out to create a unique mortgage experience for our clients. We realized that many people have home loans, but few have true professionals who are ensuring their loans are properly structured and managed. In addition, there are not many homeowners who have advisors teaching them cash flow and debt management. As a result, many families are in crisis.
A properly structured mortgage is one of the cornerstones to financially empowered families. When families pay more interest than they should, or pay a higher allocation of their monthly income to service their obligations than fits within budget, challenges arise. Often, the consequences of mismanaged cash flow and net worth extend far beyond a family’s personal financial statement. Our purpose is based on empowering people and families to live comfortably and securely, and to make wise financial decisions to help prevent the unintended consequences of poor financial choices and habits.
As one of the top mortgage planners in Utah, we have a team of highly skilled and talented professionals designed to provide world-class advice and service to our clients. We specialize in all types of residential mortgage loans, for every homeowner. As Wealthcare Professionals, we are honored to serve those looking to purchase a home or refinance their mortgage.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154