Jose has over 15 years of banking experience, with the last 5 years in mortgage lending at the Citywide Home Loans, Draper Branch. He earned a Bachelor’s Degree of Business from the University of Phoenix. Jose is on the Marc Western Team of loan originators that are part of the Mortgage Originator Magazine’s Top 200 Loan Officers in the US.
Jose attends non-profit events locally and abroad so that he can help those who stand in need. He is a father of four wonderful children and enjoys activities such a playing soccer, going camping and traveling.
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.