With over 16 years experience in the mortgage industry my goal is to educate you about you’re financing options enabling you to make an informed decision best suiting the needs of your family. Offering industry leading service I put my client’s interests first. I believe in keeping my word and doing what I say. Whether buying or refinancing I look forward to exceeding your expectations.
You can count on me and my team for responsible, honest, and ethical service in every step of the process.
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Licensed By: Dept. of Financial Institutions, License: #12025040
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You can count on me and my team for responsible, honest, and ethical service in every step of the process.
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When you make the move into a new house, you might find yourself with much more room than you’re accustomed to. This is a wonderful …
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Your house isn’t what you’d call a fixer-upper, but it’s not exactly a spring chicken either. While the fact that a house is over 20 …
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Buying a home is a huge decision. Most of us spend years planning, consulting with professionals, crunching numbers, and making lists. However, in the end, …
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Total Cost of Mortgage:$0You Could Borrow:$0
Conventional
Traditional loan programs that require at least a 3% down payment and offer competitive interest rates. Full Income documentation and fair-to-good credit are necessary.
VA
Offers long term home loans to active duty US Military service members, eligible American Veterans and Reservists or their surviving spouses. Citywide offers reduced fees on VA Loans and even has Veteran Loan Officers on staff that can assist you with your VA Loan.
Construction Loans
A short term interim loan for financing the cost of new home construction. The loan is made directly to the borrower and managed by Citywide’s experienced Construction Department.
State Bond
Programs that offer 100% financing to first time and repeat homebuyers. These low cost, low interest mortgage programs enable more people to invest in their own homes.
Rural Housing
USDA programs that provide homeownership opportunities to individuals in qualifying rural areas.
Jumbo
Loan programs that offer financing for loan amounts greater than the conventional or high balance loan limits.
FHA
FHA-insured loans require very little cash investment to close and offer more flexibility in calculating household income and payment ratios.
Home Renovation
Designed to create opportunities to repair or improve existing homes and increase the value of the home in a single mortgage with low, fully amortized, interest rates.
Down Payment Assistance
Loan programs and grants designed to help homebuyers with a portion of, or all of, the down payment required to purchase their new home.
ARMs
A variable rate mortgage, ARMs typically have a lower initial rate than a fixed-rate mortgage. A cap limits the increases in P&I at each adjustment.
Interest Only
An interest-only loan is a loan in which, for a set term, the borrower pays only the interest on the principal balance, with the principal balance unchanged.
80/10/10
Commonly referred to as a piggyback loan, 80/10/10 eliminates the needs for the borrower to pay private mortgage insurance (PMI).
hecm
Home Equity Conversion Loans, for those 62 years of age or older, allow you to convert part of the equity in your home into a non-taxed source of income and avoid any future mortgage payments, giving you the peace of mind that you can live in your home for life, as long as you continue to pay the property taxes and homeowners insurance.
HELOC
Tackle your high-interest rate debt or remodel your kitchen! Why wait weeks or months on a bank to borrow the money you need? Get your money in just days with our fixed-rate, digital HELOC.
And many, many more
Citywide prides itself on having the products that our customers need. Don't see the loan program you were looking for? Reach out to us and ask - we're sure to have a program to fit your needs.
