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Finance with Cityworth

Explore mortgage options and easily apply online. Our trusted team of Mortgage Bankers will help you make educated decisions to reach your home buying goals. 

Low Rates

We have the best rates in the country, seriously. That means you get to enjoy a lower monthly mortgage payment.

Flexible Loan Options

Get a mortgage that is as unique as you are. We offer a range of loan products so you can make the best decision.

Loan + Home

Find your home and get your loan from one place. We have everything you need to buy a home from start to finish!

Buy Online

Get your mortgage whenever and wherever you want! Most of our work is done online so you can buy with ease.

Platinum Approval

Before you start touring homes, get your Platinum Approval! With a Platinum Approval, you can shop for homes like a cash buyer. We do all the work upfront so you can have a competitive edge when making an offer. 

Loan Options

FHA Loans

FHA loans are a great option for first-time buyers. The requirements for credit and DTI are more relaxed and the minimum down payment is just 3.5%.

Conventional Loans

Conventional loans are the most popular mortgage product. They require a higher credit score than FHA and a minimum down payment of just 3%.

VA Loans

VA loans are designed to help service members and veterans become homeowners at an affordable cost. There is no minimum down payment.

Frequently Asked Questions

While this decision is ultimately up to you, there are a few indicators that show you may be ready to buy. Some of the things you should have in preparation for a mortgage approval include a good credit score, steady employment history, proof of income, money for a down payment and closing costs, and a low debt-to-income ratio (DTI).

A down payment is the amount of money you put towards the sales price of a home. It reduces the amount of money you will have to borrow and it is typically expressed as a percentage of the price. Down payments vary based on the loan type, the mortgage lender, and your finances. With conventional loans, you can put as little as 3% down. Some loan programs, such as VA loans, don’t require a down payment.

Annual percent rate (APR) is the annual rate of interest charged plus any fees, points, or additional costs associated with the transaction. Your APR gives you a better idea of the entire cost of the loan as a percentage.

Your credit impacts your eligibility to be approved for a mortgage. While some lenders may work with lower credit scores, it recommended to raise it as much as possible. A higher credit score will not only improve your eligibility but it also increases the amount you can borrow and qualifies you for a lower interest rate. 

Private mortgage insurance (PMI) is a type of insurance that protects the lender in case you default on your loan and your home goes into foreclosure. Most lenders will require you to take out PMI if your down payment is less than 20% of the home’s sales price. PMI is typically 0.5%-1% of the mortgage annually and is included in your monthly payment. Once you have paid off enough of your mortgage’s principal, PMI may be removed.

Your monthly mortgage payment is comprised of four main factors—principal, interest, taxes, and insurance (homeowner’s and PMI). Another factor that can contribute to your monthly payment is your HOA fee if you have one. These factors calculate how much your monthly mortgage payment will be. Be mindful of other monthly expenses that are not included in your monthly mortgage payment such as utilities and maintenance.

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Know Your Options

Browse our mortgage calculators to see how much home you can afford, how much your mortgage payment will be, how much your APR will be, and more!

From Our Clients

"Best team of professionals I've ever worked with! I was a nervous wreck when I started the process of buying my first house. CityWorth Homes made it real easy by being there every step of the way... and that comes in handy for a foreigner like me. They made me feel like family which made this ride quite enjoyable! Thank you!"
Dasa Rosca
"I just purchased my new home with CityWorth and the process was extremely easy and streamlined. The whole team was wonderful, nice and professional. Just a very pleasant experience. Thank you Cityworth for making the process so easy."
Martha Thomas
"Very efficient and friendly folks. The whole team explained the details and the process was fast and painless. I highly recommend CityWorth to save you money!"
Alan Downes
"CityWorth literally bends over backwards working with you, listening to your needs, desires, comments/concerns/feedback, AND executing on them!!! -- quite literally at a 24 hour/7 days a week basis with the utmost attentiveness and treatment. A team that quite literally treats you like blood family to optimize every aspect of the home buying process."
Zack Capozzoli