With over 19 years in the mortgage industry, Craig Hodges excels in sharing his vast knowledge of FHA, VA and Conventional lending with his clients and referral sources. He truly enjoys assisting his clients in achieving both short and long term goals with sound and sustainable mortgage financing programs. Craig focuses on educating home buyers by providing useful and reliable information so that his clients can make well informed decisions prior to entering a real estate transaction. After consulting with hundreds of satisfied customer and referral sources throughout his career in mortgage lending, Craig is able to quickly analyze and recommend suitable loan program options to meet their objectives. He strongly believes that what makes him successful is his passion to service and assist people throughout the pivotal process of purchasing and refinancing their home. Craig Hodges received his B.S. in Business Administration from Morris Brown College in Atlanta, Georgia. He is married with four children, two dogs and enjoys spending time with family, watching football and basketball and going bowling.
Traditional loan programs that usually require at least 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.
Offers long term home loans to active duty US Military service members, eligible American veterans and reserves 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.
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.
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.
USDA programs that provide homeownership opportunities to individuals in qualifying rural areas.
Loan programs that offer financing for loan amounts greater than the convention or high balance limits.
FHA-insured loans require very little cash investment to close a loan as well as offering more flexibility in calculating household income and payment ratios.
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, rates.
Loan programs and grants designed to help homebuyers with a portion of, or all of, the down payment required to purchase their new home.
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.
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.
Commonly referred to as a piggyback loan, 80/10/10 eliminates the needs for the borrower to pay private mortgage insurance (PMI).
Home Equity Conversion Loans; For those 62 years of age or older, a HECM allows 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.
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.