Sorry, you need to enable JavaScript to visit this website.

Contact Michael Deery today at:

About Michael

Thank you for stopping by our website, we appreciate the opportunity to assist with your financing goals. I would like to a take a moment to introduce my company and I. As this will be one of the largest financial transactions you will ever make, we want you to be comfortable with who you will be working with.

I was born and raised in beautiful Donegal along the Northern coast of Ireland. Growing up in Ireland, I was raised amongst a family of entrepreneurs and surrounded by the friendliest and most helpful people in the world. I have no doubt this gave me a very positive outlook on life and helped me develop a spirit to one day run my own company and serve the community I live in.

I also developed a passion for competitive soccer from a very early age. I moved to England when I was 16 and played professional soccer for Liverpool for three years. In 1994 I was offered a soccer scholarship to the University of San Diego, so I packed up and moved to the United States. I graduated from the University of San Diego with BA’s in Business and Psychology in 1999.

My mortgage career began in the fall of 1999 at Wells Fargo as a junior loan officer. My extensive mortgage experience has seen me serve as a Senior Loan Officer at Wells Fargo and HSBC, and a Wholesale Mortgage Rep and Underwriter at HSBC. Because of the great training and education I received at both Wells Fargo and HSBC, I decided to start my own mortgage company and founded Citywide Financial Corp in March 2004 on St Patrick’s Day. Being Irish, of course this was not a coincidence:).

I have been in the mortgage business for 20 years and have funded over 6,850 loans. In 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018 & 2019, I was ranked in the Top 100 Mortgage Originators Nationwide out of 250,000 for total number of loans funded, by the Scotmans Guide, Mortgage Origination Magazine and Origination News. In 2019 I was ranked #24 in the Top mortgage originators Nationwide, check out the 2019 ranking report HERE.

I like to help clients devise a mortgage plan that integrates into their short and long term financial goals, creating added safety, liquidity, leverage and wealth. The foundation of my business is to develop relationships with my clients and my business partners that will last a lifetime. 

After your loan closes, I will be keeping in regular contact to keep you informed of market conditions, and to make sure you are in a position to always qualify for the best interest rates and loan programs. I am always monitoring the market to see if an opportunity presents itself to benefit your situation and save you money. My goal is to make sure you will always have the lowest interest rate available in the market. I am always available to talk about your loan, feel free to call me on my mobile phone # at 858-442-2686 7 days a week. 

We currently help homeowners refinance their loans and help buyers purchase homes all over the state of California.

I am also an avid writer. I write Mortgage articles for various publications, click HERE for some newspaper articles I have written. As well as writing weekly blogs for my website, I also pen a bi-weekly newsletter "The Mortgage and Real Estate Market Insider" that goes out to over 10,000 homeowners, real estate agents and other industry professionals. I always discuss a relevant topic that keeps everyone up to date with the mortgage and real estate markets. Click HERE to see a list of some articles on my mortgage blog.

I currently live in Encinitas with my wife Danielle and our 2 children, Keira is 4 and Conor is 1. I enjoy spending time with my family and friends, playing sports, reading, writing, volunteering, traveling, and growing my business.

Thank you for the opportunity to help with your financing goals. I look forward to chatting soon.


Michael Deery

Citywide Financial Corp Mission Statement: “To develop and maintain long lasting relationships, while providing the best possible mortgage solutions for your individual needs, with nothing less than 100% customer satisfaction”.