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Our home mortgage team is ready to help you get the best rate possible. Find a loan officer today to get started.

Quinn Richins
Vice President of Marketing / Sr. Loan Officer
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Hi, my name is Quinn and I want to be your Home Improvement Loan Expert.

I have been in the mortgage industry since 2006. Since then, I have helped hundreds of clients find a home they love or save money each month on their existing home through refinancing.  I have successfully completed over 50 Home Improvement Loans for my clients (including one on my own home!)  Most of all, I’m excited to help you find a home and remodel it or make your current home the home of your dreams.

In my free time, I absolutely love obsessing over interior design, working in my garden, and enjoying time with family and friends in my beautiful backyard.

Have a question? Want to know what current rates you can get? Fill out this short form and get a quick reply!

Contact Info
Direct Phone (801) 703-8325
Office Phone (801) 747-0200
Fax (801) 303-9157
NMLS 103926
  • ID
  • UT

Licensed By: Dept. of Financial Institutions, License: #12025040

Take Action & Make a Change Today.

Have a question? Want to know what current rates you can get? Fill out this short form and get a quick reply!

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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).

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.

Get Started Today and Make a Change.

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