CityWorth Mortgage
CityWorth Mortgage
in Home Loans from CityWorth Mortgage LLC · NMLS ID #925476

CityWorth Mortgage

in Home Loans from CityWorth Mortgage LLC · NMLS ID #925476
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Loan Amount N/A
Loan Term (Years) Up to 30 years
Credit Score Range Starting at 620
No Origination Fee N/A

CityWorth Mortgage Review

CityWorth Mortgage are offered by CityWorth Mortgage (NMLS #925476), a direct lender founded in 2012 and based in Fairfax, VA. CityWorth Mortgage are available in 16 states across the USA.

Key Takeaways

  • Only two mortgage programs offered. CityWorth Mortgage provides FHA VA conforming and conventional mortgages.
  • Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
  • Standard interest rates types. CityWorth Mortgage only offers fixed-rate mortgages.
  • Considers personal use and investment properties. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Cosigner applications accepted. Applying for CityWorth Mortgage with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
  • Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for CityWorth Mortgage.
  • High maximum DTI ratio. CityWorth Mortgage has a maximum debt-to-income ratio of 50%. This ratio includes all your monthly debts, not just your proposed mortgage payment. Typically, lenders have a maximum DTI of 43% or lower.

CityWorth Mortgage Pros & Cons

Pros Cons
  • Considers applicants with fair credit.
  • Offers financing for single family, multi-family, and manufactured homes.
  • Charges an origination fee of up to 1% of the loan amount.
  • Charges prepayment fees.
  • Only available in 16 states.

CityWorth Mortgage FAQ

What is the maximum loan term you can get with CityWorth Mortgage?

CityWorth Mortgage offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does CityWorth Mortgage LLC offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Does CityWorth Mortgage charge an application fee?

Yes, there is an application fee of $350.

Note that if your loan originator or loan officer claims not to charge an application fee, the cost of the loan process is probably included somewhere else in the closing costs. As with other closing costs, the application fee is often negotiable. However, you may need to offer a higher down payment or have an excellent credit score to get your loan officer to consider a lower price.

Do they charge mortgage origination fees?

Yes, CityWorth Mortgage may charge a loan origination fee up to 1% of the loan amount.

What mortgage programs are available?

Besides conventional mortgages, CityWorth Mortgage offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.

What property usage types does CityWorth Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. CityWorth Mortgage allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
  • Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for CityWorth Mortgage is (877) 908-6250.

What is the support contact email?

The support contact email for is

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Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About CityWorth Mortgage


  Available in 16 states
  • Alabama
  • Arkansas
  • Florida
  • Georgia
  • Indiana
  • Maryland
  • Michigan
  • Minnesota
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin

Feature Breakdown

Application Fee $350
Origination Fee (%) Up to 1%
Credit Score Range 620 -
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Intended Use
  • Primary Home
  • Secondary Home
  • Investment
Joint Loan Applications Accepted
  • Cosigner
  • Individual Applications
Minimum Age 18
Minimum Down Payment Starting at 3%
Property Type
  • Single Family Home
  • Townhome
  • Multi-Family Home
  • Manufactured/Mobile Home
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Business Formation Documents
  • U.S. Tax Identification Number
  • Social Security Number
Primary Residence
Loan Term Up to 30 years
Interest Rate Types Offered Fixed-Rate Mortgage
Mortgage Programs
  • FHA
  • VA

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