Your Home, Your Vision, Our Expertise
Citizens Financial is a reputable mortgage brokerage with offices located in both Northern and Southern California. For over a decade, we have been dedicated to providing exceptional mortgage products and services to the California homeowner community. Our diverse portfolio caters to the unique needs of our clients, ranging from first-time home buyers to those seeking high-value mortgage solutions. We take pride in our exceptional customer service and innovative approach to mortgage lending.
Our Mission: Empowering Homeowners with Personalized Mortgage Solutions
Our mission is to empower homeowners by offering a comprehensive range of mortgage products tailored to meet their financial goals. We believe that every client deserves a customized mortgage solution that fits their unique needs and lifestyle. Our experienced team of mortgage specialists work closely with our clients to ensure they receive the best possible mortgage terms and conditions.
Our Services: From First-Time Home Buyer Loans to Luxury Home Financing
At Citizens Financial, we offer a wide array of mortgage services designed to address the diverse needs of our clients. Our offerings include:
- First-Time Home Buyer Loans: Our first-time home buyer loans are tailored to help clients secure their dream homes with minimal upfront costs. We offer flexible down payment options, competitive interest rates, and personalized terms to ensure a smooth and stress-free home buying experience.
- High-Value Home Financing: For clients seeking luxury home financing, we provide jumbo home loans with competitive interest rates and flexible terms. Our experienced team of mortgage specialists works closely with clients to understand their unique needs and provide tailored financing solutions for high-value properties.
- Refinancing Services: We offer refinancing options designed to help homeowners lower their interest rates, shorten their loan terms, or cash out their home equity. Our refinancing solutions are tailored to meet each client's specific financial goals.
- Investment Property Loans: For clients looking to invest in real estate, we provide investment property loans with flexible terms and competitive interest rates. Our mortgage specialists work closely with clients to understand their investment strategies and provide customized financing solutions.
- VA, FHA, and USDA Loans: We offer a variety of government-backed loans, including VA, FHA, and USDA loans, to eligible clients. These loans come with unique benefits such as low down payments, flexible credit score requirements, and competitive interest rates.
The Badges Broker: Our Commitment to Serving Those Who Serve
As a token of our gratitude for those who serve our communities, we have proudly dedicated ourselves to serving local law enforcement agencies, first responders, and the US Armed Forces. We believe in giving back to those who put their lives on the line to protect us. Our commitment to these heroes has earned us the special nickname "The Badges Broker."
High Tech & High Touch: Seamless Mortgage Lending Experience
At Citizens Financial, we believe in leveraging technology to deliver a seamless mortgage lending experience while maintaining a personal touch. We achieve this balance through innovative financial technology and a steadfast commitment to maintaining strong relationships with our clients. Our mortgage specialists work tirelessly to provide tailored mortgage solutions that align with our clients' unique financial goals.
Connect with Us Today
Ready to start your home financing journey with Citizens Financial? Contact us today to learn more about our mortgage solutions and how we can help you achieve your financial goals.
Positive Experience
The majority of the reviews highlight the excellent service provided by the mortgage team, led by Greg Ritchie, Kaylee, and others. Multiple reviewers praised the teams' efficiency, responsiveness, and communication throughout the loan process. They appreciated the teams' ability to explain complex processes in a clear and simple manner, making the application process more manageable.
Smooth Loan Process
The reviewers noted that the teams managed to complete the loan process quickly, with some completing it in just three weeks. They appreciated the teams' attention to detail, their ability to address concerns and questions, and their willingness to accommodate their needs. The teams' communication and responsiveness were highlighted as key factors in making the process smooth and stress-free.
Exceptional Customer Service
Many reviewers praised the teams' exceptional customer service, noting that they felt supported and supported throughout the process. They appreciated the personable approach, honesty, and direct communication. The teams' willingness to take the time to address their concerns and answer their questions was particularly notable.
Be the first to review Citizens Financial.
Write a Review
