Gerret Van Wagoner
Division Manager
City First Mortgage
(801) 244-8956gerret@city1st.comWhat’s It Like
Working With Me?
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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Learn More
4 Easy Steps.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. This is a simple process designed to help you get started quickly and securely. Simply click the button below to begin your application and experience a smooth, digital-first workflow.
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Application
Approval
Verification
Closing
How to Get Approved
Pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Find Your Home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Submit Your Loan Application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
Underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
More About Us
Our Vision
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Our Culture
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Our Values
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Loan Programs to Fit
all Homeownership Dreams
Government-backed with lower down payments, helping more buyers qualify for a home.
FHA Loan
Low down payment. Easier approval.
First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.
First-Time Homebuyer Programs
Down payment assistance and low-down-payment options for new buyers
Provides funding to build a new home, covering costs from start to finish.
Construction Loans
Build new. Full funding.
Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.
Refinance
Lower your rate, change your term, or tap equity
Turns home equity into cash, designed for seniors with no monthly payments.
Reverse Mortgage
Convert equity. No payments.
Designed for rental homes, making it easier to purchase or refinance investments.
Investment Property Loan
Rental purchase. Refinance options.
Covers higher-priced homes that exceed conventional loan limits with flexible options.
Jumbo Loans
Large loans. Higher limits.
Finances home improvements, allowing repairs and upgrades within your mortgage.
Renovation Loan
Finance upgrades. Simple process.
Follows standard guidelines, designed for qualified borrowers with flexible terms.
Conventional Loans
Popular option. Flexible terms.
Starts with a lower rate that adjusts over time with market conditions.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Access home equity through a revolving line of credit with flexible use.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Financing for a vacation home or getaway, with flexible options available.
Second Home Loan
Vacation home. Flexible options.
Zero down payment option available to eligible buyers in rural and suburban areas.
USDA Loan
Zero down. Rural homes.
A stable interest rate with predictable payments over the life of the mortgage.
Fixed Rate Mortgage
Consistent rate. Predictable payments.
Exclusive to veterans and military members, offering no down payment and flexible qualification.
VA Loan
Veteran benefit. No down payment.