I’m a US Navy veteran and began my mortgage banking career in 2001. While I specialize in Conventional, FHA, VA, USDA, and Jumbo home loans, as a veteran, I have a particular passion for assisting our local military community members along their path to using their earned VA benefits to purchase or refinance a home.
Whether you are buying or refinancing, choosing the right mortgage for you is one of the biggest financial decisions you’ll ever make. (PS: it’s not all about rate!) The mortgage process doesn’t have to be messy or stressful. Choosing the right team to help you navigate the process is key. It is my responsibility to ensure the mortgage process is a smooth and easy experience. My Team and I pride ourselves on our excellent customer service and strive to keep in constant communication with my clients, realtors and referral partners. You can count on me and my team in every step of the process.
Working with your local mortgage professional, someone who knows the community and has the local connections, will ensure you will always have a trusted advisor who will be there to help guide you through the paperwork process and ever-changing regulations. Each client is unique and has different circumstances regarding their finances. My goal is to make sure you get the home loan that fits your needs, since home financing is not a “one-size” fits all process.
I’d love the opportunity to work with you and help you achieve your financial goals through home ownership while navigating the home loan process!
- WA
Washington Consumer Loan Company License #CL-67180.
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Total Cost of Mortgage:$0Monthly Payments:$0
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Total Cost of Mortgage:$0You Could Borrow:$0
Conventional
Traditional loan programs that usually require at least 5% down and offer competitive interest rates. 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 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.
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 convention or high balance limits.
FHA
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.
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, 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, 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.
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.
