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  Citywide Home Loans Mortgage Refinance

Citywide Home Loans Mortgage Refinance

in Mortgage Refinance from Citywide Home Loans · NMLS ID #67180

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Citywide Home Loans Mortgage Refinance

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in Mortgage Refinance from Citywide Home Loans · NMLS ID #67180

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Highlights
Loan Amount Up to $5,000,000
Loan Term (Years) 15 - 30 years

Citywide Home Loans Mortgage Refinance Review

Citywide Home Loans Mortgage Refinance is offered by Citywide Home Loans (NMLS #67180), a direct lender founded in 1998 and based in Greenwood Village, CO. Citywide Home Loans Mortgage Refinance is available in 36 states across the USA.

Key Takeaways
  • 4 different mortgage programs offered. Citywide Home Loans Mortgage Refinance refinances FHA, FHA 203k, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. Citywide Home Loans Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing 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 refinance loan early.
Citywide Home Loans Mortgage Refinance Pros & Cons
Pros Cons
  • Available in 36 states.
  • Charges an origination fee.
  • Charges prepayment fees.
Citywide Home Loans Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Citywide Home Loans Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Citywide Home Loans Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Citywide Home Loans Mortgage Refinance charge a mortgage origination fee?

Yes, Citywide Home Loans Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Citywide Home Loans Mortgage Refinance offer?

Citywide Home Loans Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Citywide Home Loans Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Citywide Home Loans Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Availability

  Available in 36 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Term 15 - 30 years
Loan Amount Up to $5,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • USDA
  • VA
Terms 3/1, 7/1, 10/1, 15, 20, 25, 30 years

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