Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act RMLA #4131296. California Finance Lenders Law License #6031344.
Jimmy Lucero is an Area Manager at Citywide Home Loans. He places a high emphasis on delivering an extraordinary mortgage experience and has repeatedly been described by his customers as respectful, honest and devoted. Jimmy is always looking for like-minded, goal-oriented Realtors that are hungry to take their game to the next level. Jimmy manages to smoothly incorporate New School technology and Old School attention to the client experience. He works with a team of underwriters and processors to assist in funding each loan on-time, every time. Jimmy’s success is due to his unparalleled level of service at creating unique mortgage solutions for his clients. Jimmy has been in the mortgage industry for 29 years, as a realtor, loan consultant and Manager. He has received numerous top producer and service awards including 19 President Club Member awards and a 5-time recipient of the Diamond Branch award for Profitability and Production as a Manager. Jimmy continues to innovate new ways to assist Realtors in helping their clients make the dream of home ownership a reality by finding the loan that fits their long and short-term goals for budget and equity growth. Whether you are a first-time home buyer, move up buyer, looking to refinance or are a Loan Officer looking for a company and Leadership with a proven track record, please contact Jimmy to begin your journey towards a better future. Jimmy was born and raised in Southern California as the eldest of 6 boys and has a family of his own with a wife and 3 children, two daughters and a son. When he’s not spending time with family and friends at their river home in Parker, Arizona, he enjoys cooking, great food and craft libations and wines.
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).
For those 62 years of age or older, a Reverse mortgage allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.
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.