Business Details
28 Years
experience
Trusted Mortgage Brokers Nationwide
Founded in 1998, Citywide Home Mortgage has established itself as a leader in mortgage lending through a steadfast commitment to integrity, professionalism, and client satisfaction. Our team of seasoned professionals brings decades of combined experience, offering tailored financial solutions and innovative technology to streamline the homebuying process. We prioritize client needs above all, empowering homeownership dreams with personalized guidance, competitive loan programs, and a culture rooted in service and community.Our expertise spans conventional loans, VA programs, HELOCs, and specialized options for first-time buyers, backed by a proven track record of delivering exceptional results. With operations licensed in all 50 states, we combine national reach with localized understanding to meet diverse client needs.
Services
Conventional Loans
VA Loans
FHA Loans
HELOC
Construction Loans
HECM/Reverse
Jumbo Loans
Home Renovation Loans
Down Payment Assistance
First-Time Homebuyer Programs
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of mortgage industry expertise with licensed operations in all 50 states
- Our patented digital HELOC provides funding in 5-10 days with fixed rates starting at 6.15% APR
- We specialize in tailored loan programs for first-time buyers, veterans, and unique financial situations
- Our Same Day Mortgage approval process gives buyers a competitive edge in fast markets
- We maintain a client-centric culture with veteran loan officers and continuous post-closing support
Services
Conventional Loans
Conventional loans cater to borrowers with strong credit profiles seeking flexible financing options. These mortgages offer competitive rates, higher loan limits, and no upfront mortgage insurance premiums. Clients benefit from streamlined refinancing options and the ability to cancel private mortgage insurance once 20% equity is achieved.
HELOC
Our digital HELOC provides rapid access to home equity with fixed rates starting at 6.15% APR. Funds become available in 5-10 days with no upfront costs. This solution suits homeowners needing capital for debt consolidation, renovations, or emergency expenses while maintaining predictable monthly payments.
VA Loans
VA loans serve active duty military members and veterans through zero-down payment options and reduced fees. Our veteran loan officers specialize in navigating these programs, which include no private mortgage insurance requirements and favorable credit guidelines while maintaining competitive interest rates.
FHA Loans
FHA loans enable first-time buyers with lower credit scores to purchase homes with 3.5% down payments. These government-backed mortgages offer flexible qualification criteria, including higher debt-to-income ratio allowances, making homeownership accessible for new buyers with diverse financial backgrounds.
Construction Loans
Construction loans finance new home building projects through short-term interim financing. Our experienced construction department manages the process from land acquisition to final build, offering specialized oversight and phased funding to ensure project completion meets quality standards.
People
John Cady
CEO & President
With 35+ years in mortgage leadership, John Cady drives innovation at Citywide Home Mortgage. His strategic vision focuses on empowering professionals with cutting-edge tools while maintaining operational excellence across the organization.
Rebecca Clapham
COO
Rebecca Clapham oversees daily operations with deep institutional knowledge. Her leadership ensures consistent service delivery across all departments while mentoring teams to maintain Citywide's high performance standards in mortgage processing.
Robert Coomer
EVP, Director of Sales Strategy and Growth
Robert Coomer leads sales strategy with 25+ years of mortgage experience. He focuses on creating stress-free client experiences through ethical practices and innovative growth strategies that align with Citywide's core values.
Ryan Ellis
EVP of Sales
Ryan Ellis specializes in developing high-performing sales teams within the mortgage industry. His expertise in growth strategies and market expansion helps loan officers achieve success through proven leadership frameworks.
Ed Vaccaro
Executive Vice President, Sales
Ed Vaccaro brings 30+ years of retail mortgage experience to Citywide. He focuses on strategic market expansion and team development while maintaining transparent leadership practices that drive consistent business growth.
Questions
What mortgage programs does Citywide offer?
We provide conventional, FHA, VA, jumbo, HELOC, construction, and reverse mortgage options. Our loan officers help clients select the best program based on individual financial circumstances and homeownership goals.
How quickly can I get approved for a mortgage?
Our Same Day Mortgage approval process delivers decisions in 24 hours, giving buyers a competitive edge. HELOC applications typically receive approval within 5 minutes with funding available in 5-10 business days.
Do you offer special programs for first-time homebuyers?
Yes, we offer specialized programs with low down payment options and educational resources. Our loan officers guide first-time buyers through the process, explaining available grants and financing alternatives.
What sets Citywide apart from other mortgage lenders?
We combine 25+ years of experience with patented technology for faster approvals. Our veteran loan officers, nationwide licensing, and client-centric approach create a unique combination of expertise and service quality.
How does the HELOC process work?
Our digital HELOC application takes 5-10 minutes with no paperwork required. After approval, funds become available in 5-10 days. The fixed-rate structure ensures predictable payments throughout the loan term.
Can I get a mortgage with less-than-perfect credit?
Yes, we offer FHA loans for borrowers with credit scores as low as 580 and conventional options for scores above 620. Our underwriters evaluate each application individually to find suitable financing solutions.
