Tobi Roberts and her husband Mike (who you might recognize as ‘Mortgage Mike’ from their billboards) started City Creek Mortgage together in their 20’s. They had previously owned a construction company and saw first-hand the difficulty people were having trying to get home loans and “we knew we could do it better,” Tobi says. Her goal was to save people money while delivering a 5-star client experience. Twenty-three years later, Tobi, CEO and Co-founder of City Creek Mortgage has created a set of core values and hires employees who passionately believe in them. Straying from traditional “high-commission” loan officers, City Creek Mortgage has instead chosen to employ salary-based loan officers. She says, “We don’t have loan officers who are working for a high commission and competing with each other. We all work together to save our clients money and represent their interests.”