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Hallie Palacios

, Loan Processing Manager

Hallie is our processing and compliance manager. Hallie's mortgage experience stems back over the last 15 years. Hallie was a branch manager and an underwriter at HSBC for four years before coming to Citywide in 2006.

Hallie is responsible for collecting all the financial documentation that will be needed on your loan to get your financing approved. Hallie is also responsible for submitting your application to the underwriter and clearing any conditions she receives from the underwriting department. Hallie will also set up your closing with the escrow company and is in constant communication with them throughout your loan process.

Hallie’s customer service is impeccable and she is always available to answer your questions, all our clients rave about her.

Hallie can be reached at hallie@ciosinc.com and her direct line is 858-200-9647. 

Nancy Smith

, Loan Assistant

Nancy is our loan assistant!  Nancy joined our team in 2011 and has been a terrific help for us and our clients! Nancy has an accounting background and can boast almost 38 years of sparkling customer service in various industries. She has been a transportation supervisor for 7 years, a music store manager for 17 years, and also worked in an art gallery too for 5 years in a sales and support role.

Nancy's role is to ensure the loan is moving along smoothly and to ensure everyone involved in the loan process is getting their job done. Nancy's customer service is also impeccable and all our clients love working with her and appreciate her help in the loan process!

Nancy enjoys all genres of music, the performing arts, sightseeing and playing with her grandson! Nancy can be reached at nancysmith23@cox.net and her direct line is 858-200-9647.

We offer the best customer service possible to benefit our clients. By utilizing the team approach, there is always someone available to meet your needs. We look forward to a long and rewarding relationship with you.