Trusted Mortgage Guidance

Get the Right Mortgage - Fast.

We simplify mortgages with clear options, expert support, and competitive rates. From buying to refinancing, we’ll guide you every step toward a confident, stress-free closing.

Local team

Competitive pricing

Same Day Mortgage option

Why Us

Guiding You Through Every Step

At Team GWC (Powered by Citywide Home Mortgage), we make mortgages simple, clear, and tailored to you. Whether you’re buying your first home, moving up, or refinancing, our experts provide trusted mortgage solutions designed for long-term success. We focus on transparency, fast approvals, and building lasting client relationships.

Our Mission

To simplify the mortgage process and help families, veterans, and homeowners access competitive loan options that support lasting financial security.

Our Approach

We combine expert guidance with modern tools to match you with the right home loan or refinance solution- making every step transparent, efficient, and stress-free.

Services

Explore Your Mortgage Options

From Conventional and FHA to VA, Jumbo, and specialty programs, find the right loan tailored to your goals and financial needs.

Renovation Loans

Renovation loans finance purchase or refinance plus home upgrades in one mortgage. Perfect for buyers or owners improving property value.

First-Time Homebuyer Programs

First-time buyer programs offer low down payments, flexible credit, and affordable rates. Designed to help new homeowners enter the market with confidence.

80/10/10 Loans

Split your mortgage to avoid PMI. An 80/10/10 loan lowers upfront costs while keeping payments manageable for qualified borrowers.

Down Payment Assistance (DPA)

Down Payment Assistance reduces upfront costs with grants or forgivable loans. Ideal for first-time buyers or families needing help with initial expenses.

Construction Loans

Finance land and construction with one loan. Competitive rates, flexible terms, and one-time closing options make building your dream home simple.

Conventional Loans

Competitive rates and flexible terms for borrowers with strong credit and steady income. Ideal for primary homes, investment properties, or second homes.

FHA Loans

Affordable government-insured mortgages with lower credit and down payment requirements. A strong choice for first-time homebuyers looking for accessible, budget-friendly home financing.

VA Loans

Exclusive mortgages for veterans, active-duty military, and eligible spouses. Enjoy zero down payment, reduced fees, and favorable terms backed by the U.S. Department of Veterans…

Jumbo Loans

Designed for luxury and high-value properties above conventional loan limits. Offers flexible qualification, competitive interest rates, and tailored terms for experienced, financially strong buyers.

Our process

Our Simple Mortgage Process

Apply Online

Begin with our quick, secure application. Share your goals and financial details so we can recommend the right mortgage or refinance option.

Get Pre-Approved

Receive a fast pre-approval with competitive rates. This strengthens your buying power and gives you a clear budget to shop with confidence.

Close with Confidence

Finalize your loan with transparent updates and expert support. We handle the details so you can enjoy a smooth, stress-free closing.

Your Partner in Financial Empowerment

Why Choose Team GWC

Expert Guidance

With decades of lending experience, our team delivers tailored mortgage advice, helping you secure the right home loan or refinance option with confidence and clarity.

Fast Approvals

We simplify the mortgage process with efficient systems and responsive support, ensuring pre-approvals and closings happen quickly without unnecessary delays or complications.

Proven Trust

Backed by Citywide Home Mortgage, Team GWC provides transparent rates, dependable service, and long-term relationships built on trust, integrity, and reliable results.

Client Reviews

What our clients say

FAQ

Frequently Asked Questions

What credit score do I need to qualify?

Most conventional loans require good credit, but FHA and VA loans may approve lower scores with additional documentation and steady income history.

How much do I need for a down payment?

Conventional loans often require 3–5%, while FHA loans start at 3.5%. VA loans may require no down payment.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification estimates your budget. Pre-approval verifies your income, credit, and assets, giving you stronger buying power with sellers.

Can I refinance to lower my monthly payments?

Yes. Rate-and-term refinancing or cash-out options may reduce monthly payments or provide extra funds, depending on your goals and eligibility.

What documents do I need for a mortgage?

Expect to provide income verification, tax returns, bank statements, employment history, and identification. Requirements vary by loan type and borrower profile.

Can first-time buyers qualify for special programs?

Absolutely. FHA loans, down payment assistance programs, and competitive conventional loan options help first-time buyers enter the market affordably.

Ready to Start Your Mortgage Journey?

Apply online, schedule a quick call, or request a guided application with one of our licensed teammates.