Client Testimonials

  • Michael Deery and the Citywide team went above and beyond in terms of getting me the best rate and educating me on how loans work in this current market. With Michael, you are getting a professional with a lot of industry knowledge and experience and his attention to detail is a 10! Michael did such an amazing job with my loan that my realtor now refers all his home buyers to Michael."

Mike and Christine Gunn, Del Mar, CA

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Free Credit Check & Loan Approval!

Call today for a 5 minute consultation and you will receive a FREE credit report check and pre approval for your home loan. Remember, you will need a pre approval for your financing before you begin your home search. We will also issue your pre approval on the same day you apply.

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Client Success Stories

  • My client was a first time buyer that was unable to qualify for a loan in November because her debts were too high and credit scrores were too low. In order to qualify, we advised her to use some of her savings to payoff her credit cards, so this would lower her debt to income ratios and improve

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Michael's Mortgage Blog

Check out my weekly mortgage blog so you can stay current with all the recent news in the mortgage and real estate world

Client Testimonials PDF Print E-mail

I have now refinanced 3 loans with Michael. He has always been prompt, reliable, efficient and responsive. The rates he has been able to obtain have been outstanding. I have recommended him to friends and family and they have also been extremely pleased with his outstanding and professional services.

Dr Nancy Everett, Contra Costa, CA

 

  • Greetings Michael, I want to let you know how pleased I was with Citywide Financials’ efforts in obtaining my home loan.  You were highly responsive to my needs from day one, and that’s so rare.  Your personal communication was encouraging throughout my loan process, and assured me that you and your staff were on top of things.  I truly appreciate your sticking with me through all the ups and downs of this past year.  Your tenacity & upbeat attitude made this happen. As you know this was not my first home loan, and you’re not the biggest lender I’ve worked with… but I can undoubtedly say, you’re the best!  I would highly recommend you & Citywide Financial to anyone needing a home loan! Best regards & thanks again for everything!!

Lynn Callaway, San Marcos, CA

 

  • Michael and Hallie are the best! He helped my wife and I purchase our first dream home. As first time homebuyers we were  nervous, but Michael made us feel at ease by doing an awesome job in finding us a great rate and went to bat for us whenever any obstacles came our way. His Knowledge, honesty, and professionalism is what you would want in a mortgage professional. Michael will be the first one I recommend to any of my family and friends, he is truly "Top Notch".

Daniel and Jennifer Laam, Spring Valley, CA

 

  • Being a first time buyer, working with Michael was ideal. Michael and his team made sure my best interest came first in the loan process. They were always available and willing to help with anything I needed to ease the process. I would definitely recommend the Citywide Financial team, as well as use them again in the future.

Kimberly Marshall, San Diego, CA

 

  • Dear Michael! Thank you so much for taking so much care of me over the last 6 months. I don't know how to repay you. I know the transaction wasn't easy but you were able to get me so much needed financing. I'm living in my new house and it is the best feeling in the world!! Special thanks to your assisstnat Hallie, she was very attentive. I know you will be handling all of my financial needs from now on, you've earned this right Michael. I wish you and your organization continued success. Yours truly.

Rudy Degel, San Diego, CA

 

  •  Our experience with Michael and his staff at Citywide was great!  All of our questions were answered right away.  We appreciated the prompt attention and service which was excellent.  We will definitely work with him again and recommend him to others.  Michael was very professional and kept in contact with us often to make sure everything was going well.  We would highly recommend Michael and his staff.

Ada Meraz & David Gonzalez, San Diego, CA 

 

  • Michael, I would like to pass onto you an your team our sincere appreciation for the professionalism and the consistent support you provided us through the loan process for our new home. Your team's communication and attention to detail was outstanding. In today's world where customer service sometimes seems to be lost, it is refreshing to have worked with a team like yours. Thansk again for a job well done.

Silas Suazo, Albuquerque, New Mexico

 

 

I am an out of state purchaser who recently purchased a beach home in San Diego with the help of Michael Deery and his assistant Hallie Smith. Michael and Hallie were very thorough and prompt in their loan processing procedures and I was most impressed in how often I would receive updates regarding every step and aspect of the loan process.   Any speed bumps that would occur were quickly resolved and I thank Michael and his team for making the process an easy one especially since I am not in California and was able to continue with my busy work schedule and family here in Colorado.  The entire process was fluid and unproblematic and I would recommend Citywide Financial and the entire Michael Deery Team to my friends and family. 

Paul Kelley, Denver, Colorado

 

  • Michael and his team at Citywide Financial did a fantastic job, not only did they get me a great rate, but they made the process really easy for me. I was so happy with their services I have already referred my daughter Veronica over to Michael so he can help her family refinance also. 

Bill Souza, Livermore, CA 

 

  • Michael and Hallie were outstanding throughout (and even after) our transaction. They helped us to quickly get an approval letter so that we could put in our offer on short notice. They kept us up to date on everything that was going on with the lender, and helped us to lock in a great rate.  When there were problems with the underwriters, they were proactive in taking steps to make sure our loan got funded.  At closing, they helped to ensure that we were being charged the right amounts and contacted escrow on our behalf.  Michael and Hallie made our transaction so much cleaner and easier than we anticipated.  I would definitely recommend them to anyone

Brian and Stephanie Adkins, San Diego, CA

 

  • I will recommend Michael Deery to all my friends who are looking to finance their mortage. He was proactive in getting me the best rate and the best fit for my income and budget, a tremendous relief during this tough economic climate.  I had complete faith in him thoroughout the process, he was always available to answer any questions I had along the way. The paperwork seemed overwhelming at times yet Halle was accomodating and supportive whenever I needed clarification. I am so appreciative of everything that Michael and his team did for me, it was a truly great experience. 

Heather Jeffrey, San Diego, CA

 

  • Michael Deery and Citywide Financial Group provided us with a level of attention and professionalism that exceeded our highest expectations as first-time buyers.  On a personal level, Michael couldn't have been more of a pleasure to work with and his knowledge base was impressive.  We will definitely work with Michael in the future for all our home mortgage needs!

Phil and Jennifer Pierce, Del Mar, CA

 

  • This is the first house that I have bought and it is the biggest transaction I have ever made.  Michael and his team were very helpful in making sure that I knew where I stood during the whole time of the sale.  He gave great guidance and he was always very quick to respond to any questions that I had.  Thank you Michael, I am thrilled to be moving into my new home!!

Mary Heim, San Diego, CA

 

  • My experience with Michael was amazing. He was reliable, responsive and very helpful during the entire process. Michael really helped me understand everything and the process went very smoothly, much more so than I thought it would be, all thanks to Michael. I will definitely recommend him to my friends and family.

Andrea Lyons, Riverside, CA

 

  • I had a great experience in refinancing my home to a 15 year loan with a great rate! Michael Deery made everything very easy for me in doing this, and he was very honest and answered all of my questions along the way. He has a lot of knowledge, and was very patient with me in answering all of my questions. Michael was able to give me the best rate and he gave me great service. He also gave me some financial planning advise. I would definately recommend Michael Deery for a new loan or refinance!

Jean Mac Donald, Sacramento, CA 

 

  • I chose Michael for one reason, to get the job done, get it done right, and get it done fast.  I was working on purchasing a short sale since February of 2010 and I received an approval for purchase in June of 2010.  Like most short sales the closing date requested by the bank was a little over two weeks from the approval.  I knew this was going to be a tough task and I knew I would have to call on Michael to make this happen.  Michael made it happen with days to spare! Michael worked directly with the Realtor teams on both sides of the transaction, the escrow folks, and the lenders.  I knew I could sit back and leave it in Michaels hands with out worrying about the time frame constraints.  I really do not think most brokers could have got it done it the allotted time. I would gladly recommend Michael to anyone I know looking for a loan, and definitely recommend him for anyone needing a loan on a short sale.

Clayton Tripoli and Amber Martin, San Diego, CA

 

  • My experience with Michael Deery and Citywide Financial was very positive.
    Michael was quite knowledgeable and patient with a near-constant stream of
    first-time homebuyer questions.  Honest, trustworthy, and a gentleman.  A
    pleasure to do business with!

Chris Peppel, San Diego, CA

 

  • Michael Deery and the team over at Citywide Financial did my home loan and they could not have done a better job. They went above and beyond in terms of getting me the best rate and deal, keeping me informed throughout the loan process and educating me on how loans work in this current market. With Michael, you are getting a professional who has more industry knowledge and experience then the vast majority of people doing loans. His attention to detail is a 10! Michael did such an amazing job with my loan that my realtor now refers all his home buyers to Michael."

Mike and Christine Gunn, Del Mar, CA

 

  • As a single Mom, and first time home buyer, I didn't know what to expect.  I didn't have "perfect" credit, but Michael was able to find the right bank to fund my loan and assured me from the start that everything would be fine.  Michael and his associates assisted me in understanding that, yes, my dreams of owning a home could come true.  They were always there to answer my calls, and questions at any time of the day, which was great since you think of the strangest questions to ask at the oddest hours.  Michael kept me informed every step of the way, pretty much on a daily basis.  I didn't have to wait hours or days for updates or answers to my questions.  He also made sure to remind me each time documentation was due, and his assistant Hallie kept in constant communication with me, once my offer was excepted and the funding process began.  Thank you Michael & Hallie for making my dream of homeownership come true!

Heather Steeley, Contra Costa, CA

 

  • I am a first time home-buyer and my experience with Michael Deery and his team of professionals was both seamless and educational. When we hit road blocks Michael was right there to explain and walk me through each step of the way. Michael made me comfortable and confident in the loan process and was able to re-negotiate a lower interest rate than what was previously quoted! I am excited about being a new home owner and I thank Michael and his team for helping to make this possible".
S. Mosley, San Diego, CA
                        
  •  Mike, You did an awesome job!! I really appreciate all the updates you provided. I will be more than happy to recommend you to any buyers I talk to.

 Merwan Chebab, Benchmark Realty, San Diego CA

 

  • Outstanding customer service, excellent communication and getting the job done are some of the reasons why I went with Michael Deery and Citywide Financial Corp. He has guided me through two mortgage refinances without a glitch or a concern. I have recommended Michael to all my friends and family

 Joanne Day, San Diego, CA

 

  • Michael and his team did an excellent job on our refinance.  Michael was very informative and always available to answer my questions.  He kept me updated constantly and was very easy to work with.  Michael made the refi process very easy.  We will definitely use his services again!

Michael and Rachel Pasol, San Diego, CA

 

  • Michael Deery and his team was instrumental in the financial aspect of purchasing my first home.  He kept me informed throughout the entire process by updating me daily when necessary and responded to my questions and concerns on a timely basis. Thanks for your support and guidance.  

Louella Mc Carroll, San Diego, CA

 

  • Dear Michael Deery, My family would like to thank you for your extraordinary efforts and ability to make the impossible, possible. You have on two separate occasions “saved the day” for both my parents and I. Our family is in your debt and we are truly grateful for what you have done for us financially! We would recommend you to anyone, anytime. We have already referred many of our families members and closet friends and wouldn’t trust such a major life impacting financial decisions as a home loan or refinance with anyone else, and we have unfortunately kissed some frogs along the way. Please feel free to use me as recommendation anytime. Best Wishes

Theodore Lawton, and The Mc Avoy's, Lawton's, and Battaglia's

 

  • Dear Mr. Deery, We would like to express our appreciation for keeping us informed of the lower mortgage interest rates and helping us on the recent refinancing of our home.  As a result, we now have a lower mortgage interest rate of 4.75% and a lower monthly mortgage payment. Your firm and the staff members were very professional, prompt and courteous in handling our financing needs.  I look forward to your continued professional assistance in the near future and would refer my relatives and friends to you for their financing needs.

Van and Kim Do, Montebello, CA

 

  • I think the first sign of outstanding customer service is accessibility. Michael was always prompt and available to answer my questions and made the experience of refinancing more stress free than I could have hoped.

    Fran Ferguson, Palm Desert, CA

 

  • Working with Michael Deery was a pleasure, I was not going to refinance until Michael was able to get me an interest rate of 4.875% when everyone else was quoting me rates in the 5% range. Thank you again for always being there for me and for taking all my calls. You are the best!

Diane Lory,  La Jolla, CA

 

  • Michael Deery is one of the best mortgage professionals I have ever worked with since I started buying homes 10 years ago. He is truly professional, expedient and honest in his dealings with his customers. Most importantly, Michael works with his clients to get them the best mortgage rates that fits their needs, while also acting as a mortgage advisor and planner when needed. Michael has been highly recommended to all my family and friends.

    Charity Ogunsanya, Murrieta, CA

 

  • I would like to take a moment to thank you for all the hard work you did to secure my refinance loan. I know it must have been particularly hard being that my property was in Hawaii and I know things are done differently there too. Thank you for your patience and perseverance as I know we were working against different time zones too. I will recommend your service in the future.

    Robert Ortenzo, San Diego, CA

     

  • As a first time home buyer, I was really nervous about the mortgage process, particularly given the current financial market. Michael and his staff were very patient and answered all my questions, and worked very hard to get us a fantastic low interest rate. Thanks again for all of your encouragement, persistence and hard work.

    Sue O’Brien, San Diego, CA

 

  • Michael and his team worked a miracle on a loan i needed for an investment proeprty! I was in the middle of a purchasing a property durign the 4Q of 2008 right when the financial meltdown was taking place. Lending requirements were changing daily and Michael was following the market closely and keeping me up to date on how those chnages were affecting our loan. This was a very difficult time to get financing and without Michael and his team we would have fallen out of escrow and lost a great opportunity. Thank you again Citywide Financial. 

Ernie Anderson, San Diego, CA

 

  • With the cost of everything on the rise, we needed to lower our house payment. We had worked with Michael Deery before so we felt comfortable calling on hin again. It’s quick, easy, and satisfying knowing you are getting the best loan possible. But don’t just take our word for it give Michael a call today. You won’t be disappointed. Thanks again Michael!

Larry & Wanda Smith, Contra Costa, CA

 

  • Dear Michael, both my Mom and I felt comfortable throughout a process that we know can be very confusing.  You and your fantastic staff provided excellent advise and listened to our numerous questions throughout the whole lending process.  It makes us feel great to know there are trustworthy professionals out there like Citywide Financial. Thanks again and cheers

Robert and Barbara Brown, San Diego, CA

 

  • Michael and his staff at Citywide Financial did a great job getting financing for my third property. When the bank said it could not be done, Michael was able to get the process done in less than 3 weeks. I have already referred two of my friends to Michael who want to refinance also.

    Ruth Deye, San Diego, CA

 

  • Michael Deery and his team of professionals were awesome throughout the whole loan process.  He was very knowledgeable about rates and the mortgage process.  His expertise in the field enabled my wife and I to lock in an excellent rate early.  He kept us in the loop the entire time and explained everything in terms we could easily understand.  He was very patient and professional from start to finish.  He made our refinance easy and stress free. 

  • Steve and Alicia Susalla, San Diego, CA

     

  • I want to thank you and your team for the excellent work you did for us in helping us buy our first home. You made the process a lot easier than I expected considering the state of the lending world. We will be having you over for dinner soon.

    Geoffrey and Julie Adams, Riverside, CA

 

  • Dear Michael, myself and Katie both want to thank you for the excellent job you did in keeping us informed and on track with the with our transaction. It is really refreshing to work with a lender who exemplifies true professionalism in service and communication.

    Janet Fuller & Katie Taylor, Realtors, Temecula, CA

 

  • Hello Michael, Catherine and I want to extend our gratitude to you for your honesty, hard work and never say die spirit during the purchase of our property. We both know this is a tough market and we are so happy we were able to buy our dream home. Thank you so much   

Charley and Catherine O' Shea, San Diego CA

 

  • Mike, Thank you very much for helping us with our refinance.  You guys did a great job, and were very easy to work with.  I really appreciate you keeping me in the loop as the loan went through its process, and thank you for being up front with me on all the fees that we may expect.  With rates this low, you’ve helped us lock in a very cost efficient mortgage that we will help us in the future.  Be aware, I’ve given your name to a lot of people, so you may be receiving more phone calls soon. 

  Paul and Ranee Fisher, San Diego, CA

 

  • If you are one of those who has chosen Michael Deery and his Company, Citywide Financial Corp , for the purrpose of securing financing, you are very fortunate. Mike will keep you very much up to date in the progress he and his staff are making toward the achievement of your goal.  You will get very straight answers to all of your questions.  And, you will receive the same attention from Hallie and Kelsey, his assistants. To work with all of them is a very comfortable experience.

Manny and Colleen Tabackman, San Diego ,CA

 

  • Maybe it was the Irish, Scottish thing, I don’t know, but I do know this, Michael and his group of professionals, Hallie and kelsey did the best job I could expect. What a wonderful experience. It was the easiest refinance loan I have ever done. It must have been the Irish Scottish thing. Thank yoo.

Ian Airlie, Los Angeles, CA

 

  • My wife and I worked with Michael on refinancing our home.  He was responsive, knowledgeable and patient throughout the process.  He displayed a level of professionalism rare in his profession.  We will most certainly use his services again in the future.”

Dr. Tod Oliver, San Diego CA