Client Testimonials

"Michael Deery and his staff at Citywide Financial were a great help to my wife and I during our home buying process. Being first time home buyers Michael really helped us to understand each step of the process along the way, kept us up to date, and kept us informed on our home loan status. Both he and his staff were not only helpful, but also very friendly, professional, and genuinely caring. You can find lenders almost anywhere, but if you are looking for a lender who puts you and your interests first, then we recommend that you choose Citywide Financial".

Ben and Chelsea Bishop, Yucaipa, CA Read More

Free Credit Report Check!

Free Credit Check & Loan Approval!

Call today for a 5 minute consultation and you will receive a FREE copy of your credit report and pre-approval for your home loan. IMPORTANT: If you are looking to purchase a home, you will need a pre-approval letter for your financing before you begin your home search, as sellers will want to verify first that you are approved. This will also give you a lot more bargaining power too when negotiating any offers, as the seller will now know you are already approved and will take any offers you put in seriously. We will also issue your pre-approval on the same day you submit your application fora loan approval.

A $200 Value

Client Success Stories

My client was a first time home buyer that was unable to qualify for a loan recently because her credit scores were below the minimum of 620 for FHA financing. In order for her to qualify for financing, we first ran a "credit analyzer" on her credit report, so we could determine what debts we had to pay down and rearrange in order to get her credit scores increased for qualifying. After paying down 2 credit cards we then performed a rapid rescore on her credit, and in less than 1 week we were able to get her scores increased by over 50 points so she could now qualify for a loan. I am happy to say she just closed escrow on her new home and she is now a happy first time homebuyer. Read More

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Michael's Mortgage Blog

Introducing the New 95% Conventional NO PMI Loan for Buyers. Most buyers today assume they have to choose FHA financing to qualify for a low down payment loan option to purchase a home. That is not the case anymore as Fannie Mae is now offering financing up to 95%. Also, there is now an option where you can choose to NOT pay monthly mortgage insurance “MI” on this 95% financing, as you can pay for “Lender Paid MI” instead, which allows you to buy out the mortgage insurance by taking a slightly higher interest rate. Because of the additional monthly savings offered by this No MI program, you can now purchase a $400k home with a 95% conventional loan for the same payment on a $350k FHA purchase.