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Joel Stice
Loan Officer
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(801) 674-0396
(801) 713-1826
(801) 713-1827
1181407
  • CO
  • TX
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About Joel Stice

As a Loan officer at Citywide Home Loans, 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 for responsible, honest, and ethical service in every step of the process.

You can count on me and my team for responsible, honest, and ethical service in every step of the process.

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List of Select Loan Programs Offered

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).

Reverse Mortgage

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.

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.

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For consumer support and inquiries please contact our Consumer Solutions Dept. at 1 (866) 508-5515 or by email to consumersolutions@citywidehomeloans.com.