About Our Company

City First Mortgage Services is all about family, friends, and relationships. We believe in building trust, customer care, and that each of our clients should be clients for life. We want to ensure that you have a wonderful experience working with City First Mortgage and that you have a great working relationship with all who you work with at City First. Our culture is one of support and friendship and each department works well together and we all work to build each other up, which makes a great opportunity for our clients to be cared for in the way that they deserve.

We try to make the mortgage loan process as easy as possible with our easy-to-use online application process, but we believe that the personal touch makes the difference and want our employees to treat all fairly and to work efficiently to help the process go smoothly.

At City First, We Place You First! As a mortgage banker, City First Mortgage Services makes residential loans from its own funds on properties in the majority of states across the country. City First Mortgage works with licensed appraisers in each of those states in obtaining appraisals according to investor requirements. City First also works with licensed third-party escrow companies in each of those states in handling all reserve funds.

City First Mortgage Services processes and underwrites its own loans, all loan processing policies and underwriting approvals being overseen by its Operations Department, and according to Fannie Mae/Freddie Mac/Government guidelines. Audit procedures are controlled and carried-out by third-party quality control service providers, the policies of which are documented in “City First Mortgage Services, L.L.C., Loan Origination Quality Control Policy.”

Experience

City First has been in the business of residential and construction lending since its establishment in 1993. Its principal and staff are well-versed in all aspects of the residential and construction loan industry including draws, inspections, underwriting, mortgage and contract law, etc., and hold multiple Bachelors and Masters Degrees in their respective areas of expertise. Each of the company’s senior officers have long established careers in mortgage banking, real estate and venture projects, and understand the complexity of the industry.

Growth and Support

Headquartered in Bountiful, Utah, City First Mortgage Services presently has full-service retail offices in many states across the nation. City First is focused on growth and expansion and places a great deal of emphasis on selecting individuals for employment, and brokerages to become branches, who are service-driven, and possess the desire and capability to be successful.

City First Mortgage Services is committed to providing each of its loan professionals and branches with the support and tools necessary to facilitate their, and the company’s success, including cutting-edge technologies such as automated underwriting systems, web-based application forms, and online streamed media training.City First prides itself on having created a culture and atmosphere that encourages people to utilize and expand all their professional skills and talents.

Balance

City First is a growing mortgage company that is small enough to appreciate each individual borrower, employee, and client, but large enough to provide strength, stability, and an expansive array of loan programs meeting a wide range of borrower needs.