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How City Creek Mortgage Helps Its Clients Achieve the Lowest Possible Mortgage Rates




The housing market has been booming lately, which means a lot of prospective homeowners are looking for mortgage providers. When taking out a mortgage, one of the most crucial things to look at is the interest rate. Most mortgages last either 15 or 30 years, so even small differences in the interest rate can add up.

Mike “Mortgage Mike” Roberts, co-founder and president of City Creek Mortgage, understands the ins and outs of mortgages, including how getting the lowest rate possible is a top priority. He started City Creek Mortgage over 20 years ago, with the goal of creating better options for everyone hoping to buy a home using a loan.

Roberts explained his goals when he said, I want our clients to know they can trust us to always be looking out for them. Were going to help get the best interest rates because we know how much that can do to help your family build a stable financial position.”

Through Mike’s efforts to create a better mortgage experience for customers, he’s learned how to get the best rates possible for clients — here’s how he does it:

Cutting Out the Commission

If you’ve ever taken out a home loan before, chances are your loan officer was paid on commission. Chances are if any of your family and friends who’ve purchased a home with a mortgage also worked with a loan officer who was paid on commission.

The mortgage industry has run off of commission-based employees for decades.

This means that loan officerscompensation is tied to whether or not they can push you forward to close a loan, even if it’s not the best option for you. In some circumstances, commission-based system incentives loan officers to encourage people to take larger loans than needed or to take loans with bad interest rates. 

In order to ensure customers are getting good loans with the best rates, City Creek Mortgage pays loan officers on salary. This allows these loan officers to give optimal advice to clients because their incomes aren’t dependent on selling clients on loans with huge amounts of interest.

Said Roberts, “We want to help our customers build a solid financial future. So, no, our loan officers wouldn’t try to upsell a customer on a larger loan because we know it’s not in the customer’s best interest. We don’t want to make money by squeezing every penny out of each customer. We want to make money by earning trust and loyalty from each of our clients.” 

Prioritizing Clients Over Profits

Many people dont understand all the details about loans and interest rates. Interest rates change often. Because of this, its easy for lenders to take advantage of people who havent taken the time to shop around for different mortgages or researched how to get the lowest possible rate. 

It benefits the lenders to offer higher rates because it means youll end up paying more in interest, however, this practice ends up causing unnecessary financial strain on clients. City Creek Mortgage believes in prioritizing clientsneeds over earning more money. 

Roberts spoke about the way the company functions:

Were a client-for-life company. That means we want our clients to be happy with what we offer in the long-term. We want to earn their trust and treat them like family. We believe in walking away from money rather than walking away from good people. We apply this principle to both our employees and to our clients.”

With clients, rather than profit, in mind, City Creek Mortgage may occasionally earn a smaller profit, but they make up for it by retaining clients and building a strong reputation as a company that can be trusted.  

Understanding Clients’ Individual Needs

City Creek Mortgage is a close-knit, family-style company.

Roberts explained the nature of the company culture, stating, “We believe in taking care of each other and our clients. In fact, we believe in that principle so strongly, it’s one of our five core values. Because we want to take care of individuals, we look into what types of mortgages will best suit their needs.”

City Creek Mortgage speaks with clients about their unique situations in order to advise on the type of loan that is best for them. Not everyone knows that some aspects of home loans are flexible. Some clients will opt for a no-cost mortgage so they can save money on closing costs. Others will opt for a low-cost mortgage in order to get the lowest possible rate. 

There are benefits to both low-cost and no-cost mortgages and each person’s unique situation will determine which is the best fit for them. The emphasis on seeing clients as individuals at City Creek Mortgage helps the team to advise each client on the best option for them. 

Sometimes clients will come to City Creek Mortgage looking for a second opinion on the loan they’ve been offered from a different lender. Because the company cares more about helping people find the best possible loan for their situation, sometimes they tell potential clients that their lender is already giving them a great deal.

For City Creek Mortgage, giving the best advice possible is more important than making a sale, especially if that sale is not in the best interest of the client. By doing this, theyre able to build lifelong relationships with clients.

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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The Ultimate Guide to the Essential Social Skills in Business




Effective communication and strong relationships are essential for success in the workplace. One factor that can greatly influence these qualities is emotional intelligence, often abbreviated as EQ. EQ refers to the ability to identify, understand, and manage one’s own emotions, as well as the emotions of others. Research has shown that individuals with high levels of EQ are better equipped to handle stress, communicate effectively, and work collaboratively with others (Chamorro-Premuzic & Sanger, 2016).

Research has consistently shown that emotional intelligence (EQ) is an important predictor of job performance and success in the workplace. EQ is comprised of a set of skills that allow individuals to recognize, understand, and regulate their own emotions, as well as the emotions of others. In addition, individuals with high EQ are better able to communicate effectively, build relationships, and navigate complex social situations. As a result, they are often viewed as effective leaders and collaborators, and are more likely to achieve their personal and professional goals.

In fact, a number of studies have demonstrated the significant impact that EQ has on job performance and success. For example, one study of 85 upper-level managers found that those with higher EQ scores were rated as more effective leaders by their subordinates (Law, Wong, & Song, 2004). Another study of 151 employees found that those with higher EQ were more likely to be promoted within their organization over a five-year period (Carmeli, Brueller, & Dutton, 2009). These findings highlight the importance of EQ in the workplace and suggest that developing these skills can lead to significant benefits for both individuals and organizations.

According to a study conducted by TalentSmart, a leading provider of EQ assessments, EQ is responsible for 58% of success in all job types (Bradberry & Greaves, 2009). In contrast, IQ only accounts for about 4% of success in the workplace. This suggests that EQ is a crucial skill set for individuals in any professional field. Fortunately, EQ is a skill that can be developed and honed over time with practice and awareness.

There are several key components of EQ that are particularly important for success in the workplace. These include: 

Self-Regulation: This refers to your capacity to recognize and control your emotions. Sometimes treating them when they arise may be necessary. Understanding how to manage your anger is essential. However, it can also cover how to control the feelings you’ll experience.

Self-Awareness: This implies recognizing and understanding your own feelings. Do noisy places make you nervous? Do other people talking over you make you angry? Knowing these truths about yourself shows that you are working on your self-awareness. Being conscious of yourself is necessary for this phase, which can be more complex than it sounds.

Socialization: This category focuses on your capacity to manage social interactions and direct relationships. It doesn’t entail dominating others but knowing how to work with others to achieve your goals. This could entail presenting your ideas to coworkers, leading a team, or resolving a personal disagreement.

Motivation: Strong motivators include external forces like money, status, or suffering. Internal motivation, however, plays a significant role in Goleman’s concept. By doing so, you demonstrate your ability to control your cause and initiate or continue initiatives of your own volition rather than in response to external demands.

Empathy: It’s equally critical to be sensitive to others’ feelings. This may entail learning to identify different emotional states in individuals — for example, can you tell the difference between someone at ease and someone anxious? — but it also requires comprehension of how other people may react to their current situation. Empathy is one of the essential traits in business and business leadership.

A thought leader in this space, Michael Ventura has built a career advising organizations on the importance of emotional intelligence in the workplace. In his book, Applied Empathy, Ventura highlights the value of empathy in business and provides strategies for developing and applying this skill set. With two decades of experience as a leader, facilitator, and educator, Ventura’s work has made impact in with prestigious institutions such as Princeton University and the United Nations as well as corporate clients such as Google and Nike.

Through his work, Ventura advises leaders to focus on the development of EQ in order to help individuals improve their communication, collaboration, and leadership skills, ultimately leading to greater success in the workplace. Experts like Ventura continue to support the growing body of research on the value of EQ in business, and the evidence that organizations who invest in the EQ of their teams help to create a more empathetic and successful professional environment.

And it’s worth noting that EQ isn’t just important for individual success in the workplace, but also for overall organizational success. A study by the Center for Creative Leadership found that EQ was a better predictor of success than IQ or technical skills in the workplace, and that teams with higher levels of EQ tend to be more effective and productive (Boyatzis, Goleman, & Rhee, 1999). By cultivating a culture of empathy and emotional intelligence, organizations can improve their overall performance and create a more positive work environment for their employees.

In conclusion, emotional intelligence is a crucial component of success in the workplace, and individuals and organizations alike should prioritize the development of these skills. The ones that do not only develop a leading edge in their category, but also become a meaningful place to work for their teams. And in today’s rapidly changing talent landscape, the retention of highly capable, emotionally intelligent leaders is one of the greatest keys to unlocking success.


Boyatzis, R. E., Goleman, D., & Rhee, K. S. (1999). Clustering competence in emotional intelligence: Insights from the emotional competence inventory (ECI). In R. Bar-On & J. D. A. Parker (Eds.), Handbook of emotional intelligence (pp. 343-362). Jossey-Bass.

Bradberry, T., & Greaves, J. (2009). Emotional intelligence 2.0. TalentSmart.

Chamorro-Premuzic, T., & Sanger, M. N. (2016). Does employee happiness matter? Journal of Organizational Effectiveness: People and Performance, 3(2), 168-191.

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