David Hosterman began working as a loan officer in 2004 with Ace Mortgage Funding in Englewood, CO. After transitioning to Castle & Cooke Mortgage, LLC in 2008, he became a Branch Manager. His previous experience as a sales manager and loan officer over the previous decade prepared him for offering a level of customer service that he believes is the key to a successful mortgage experience. Communication is essential every step of the way when working with David. From helping clients get connected with trusted real estate agents to making pre-approval and loan closing as straightforward as possible, David is continually assessing what is right for his clients and then following through. His amazing team includes Matthew Berry, Jonathan Edwards, Emily Gibbs, Laura Giroux and Lou Omilion.
David has been nationally recognized as top loan officer in the country over the past few years. In 2017 according to National Mortgage News, David was the 183rd top loan officer in the country. In addition, he was featured in Mortgage Professional America magazine in 2017 and 2016 as a Hot 100 Mortgage Professional. In 2018 and 2017 David was also featured in National Mortgage Professional as a Top 50 Most Connected Mortgage Professionals in the industry and one of the Top 40 under 40 Mortgage Professionals for 2017. In addition, David has been featured in national publications as Forbes, CBS Money Watch, The Street, US News & World Report, Lending Tree, Realator.com, Credit Karma, Trulia, Nerd Wallet, and MSN Money. In addition, David is the host on two Denver based radio shows on AM 1690 KDMT Denver’s Money Talk Radio.
When David is not working he enjoys spending quality time with his family including his wife Shannon and their amazing 3 children Charlie, Josephine, and Juliet. In his spare time, he is an avid golfer and loves coaching his son’s lacrosse team.
- CO
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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.
