Citywide Home Loans is a mortgage bank with more than 300 employees, 40 branches servicing 37 states, and has been in business for more than 20 years. We built our reputation making sure that we deliver on our promises and by not shying away from hard or complicated deals. We believe everyone deserves the best possible customer experience and we are committed to that delivering exactly that.
With a background in finance, Joel brings a unique perspective to his work as a Loan Officer at Citywide Home Loans. Joel’s ability to help his clients find the right solutions to their lending needs has elevated him to winning the Citywide President’s Club, recognizing him as one of our top Loan Officers. Joel’s commitment to his borrowers has earned him a loyal clientele following and the trust of those he works with; borrowers, referral partners, and peers in the industry. Joel is married with 4 kids and enjoys spending time in the outdoors with his family whenever possible.
You can count on me and my team for responsible, honest, and ethical service in every step of the process.
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.