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CityWorth offers all the most popular mortgage loan options with straightforward requirements and a streamlined preapproval process. But you’ll need to speak with a loan officer to find out about its rates and finish your application.
Loan products offered | Conventional, FHA, VA, USDA, Refinance |
---|---|
Minimum credit score | FHA: 620 VA: 620 |
Minimum down payment (Conventional) | 3% |
State availability | AL, AR, FL, GA, IN, MD, MI, MN, NC, OH, PA, SC, TN, TX, VA, WI |
NMLS # | 925476 |
This lender lists out most of its loan requirements online.
Loan-to-value | Debt-to-income | Minimum credit score | |
---|---|---|---|
Conventional | 95% | Varies | Varies |
FHA | 96.5% | 41% | 620 |
VA | 100% | 41% | 620 |
Have the following documents on hand before you get started. Depending on your situation, your loan officer may request additional documentation.
Although CityWorth doesn’t list all its fees online, expect to pay the following fees:
Start a home loan application with CityWorth by getting preapproved on its website:
CityWorth also offers a few additional products:
CityWorth is mostly a just-the-basics kind of lender, offering conventional, FHA and VA loans with refinance options. But the loans it offers are the most popular, and the lender’s straightforward approach on its website will appeal to borrowers who want to know whether they might qualify without having to contact a loan officer or go through a time-consuming application process first.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
As of August 2021, CityWorth has 960 reviews on Trustpilot and is rated 4.6 out of 5 stars. It’s also accredited with the Better Business Bureau (BBB) and holds an A+ rating for responding to 18 customer complaints in the last three years. With 20 reviews, the lender is rated 2.6 out of 5 stars.
Many customers praise CityWorth for friendly, helpful agents, and many felt the process was efficient and professional. The main complaint was that, despite helpful loan officers, its underwriters requested last-minute documents, resulting in a later closing date.
CityWorth was founded in 2011 and is headquartered in Fairfax, VA. This direct lender is licensed with the Nationwide Mortgage Licensing System and Registry (NMLS) and uses in-house underwriting. It is an affiliate business with CityWorth Properties, a real estate agency.
Review by
Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.
CityWorth has solid ratings from current customers and an easy-to-research website for borrowers interested in its loan offerings. The lender’s application process and borrower criteria are comparable to other lenders. But since it doesn’t publish its rates online and many users report last-minute underwriting requests, you may want to compare other mortgage lenders.