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At a glance
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Conventional, FHA, VA, fixed, adjustable; refinancing options include rate-and-term refinancing, FHA and VA cash-out (IRRRL) and streamline refinancing
Available in Alabama, Arkansas, Florida, Georgia, Indiana, Maryland, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin
Min. credit score required
620 for conventional loans; 580 for FHA loans
Pros and cons
Lower-credit score loan availability
DubbleUpp program encourages buying a home with a friend
Streamlined approval and underwriting process
No jumbo loans, HELOCs or home equity loans
Doesn’t offer immediate online preapproval; you have to speak to a loan advisor first
CityWorth Mortgage, also known as CityWorth Loans, is an online-only mortgage lender headquartered in Fairfax, Virginia. The mortgage lender offers conventional loans, refinancing, FHA streamline refinancing, VA cash-out and streamline (IRRRL) refinancing and VA debt consolidation loans.
FHA cash-out refinancing
FHA streamline refinancing
VA cash-out refinancing
VA streamline (IRRRL) refinancing
CityWorth Mortgage’s lender fees range from 1.5 percent to 3.5 percent of the loan.
Minimum borrower requirements
CityWorth Mortgage borrowers need a minimum credit score of 620 and can put as little as 5 percent down for a conventional loan.
Borrowers also can have a maximum debt-to-income ratio, or DTI, of 50 percent with a Fannie Mae HomeReady Mortgage. That means the sum of your monthly debts (including the new mortgage payment) cannot exceed 50 percent of your gross monthly income.