Home Purchase Financing
First-lien credit for primary residences and qualified additional properties, with pre-approval support for active house hunts.
The Firm
City First Mortgage, LLC originates and structures residential real estate credit for households preparing to buy, refinance, or draw on home equity. We concentrate on loan fit, documentation quality, and a closing timeline that can actually be met.
Borrowers receive a plain-language review of available credit products, estimated monthly cost, and the conditions likely to appear during underwriting. Our team coordinates with real estate professionals, title, and appraisal contacts so files keep moving.
Every engagement starts with the property, the borrower profile, and the intended use of funds. That sequence keeps recommendations tied to credit policy rather than a one-size product pitch.
Credit Options
First-lien credit for primary residences and qualified additional properties, with pre-approval support for active house hunts.
Rate, term, and cash-out refinance analysis based on remaining balance, occupancy, and current market pricing.
Second-lien and equity extraction options when the property and borrower credit support additional real estate debt.
Income, asset, and liability packaging so underwriting requests are answered with complete, consistent records.
Side-by-side review of conventional, government-backed, and alternative credit paths where the borrower profile allows.
Condition tracking, disclosure timing, and settlement coordination through funding and first-payment setup.
Lending Path
Collect occupancy plans, target price, credit snapshot, and desired monthly payment range.
Select a credit product, down-payment path, and documentation list that match the file.
Submit a complete package, respond to conditions, and keep the borrower informed.
Clear to close, confirm settlement figures, and complete disbursement.
Borrowers
Guidance on down payment, reserves, and what lenders actually review before issuing a commitment.
Purchase and sale timing, equity use, and overlapping loan scenarios when a current mortgage is still open.
Break-even review, cash-out suitability, and term changes that affect total interest paid.
Contact
City First Mortgage, LLC
Address:
750 S. Main St.
Bountiful, UT 84010
Phone:
(610) 707-8118
Email:
info@cityfirstmtg.com
Website:
cityfirstmtg.com