Realize Your Dream of Home Ownership

Welcome to Citywide Mortgage of America, your Illinois, Florida & California home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Real Customer Experiences

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Meet Our Team

Joseph

Joseph Mullappallil

Broker/Owner

773-908-8296

NMLS# 279504

Mitchell

Mitchell Shanks

Broker/Owner

773-908-9660

NMLS# 255071

William

William Jaramillo

Owner/Manager

773-202-2600

NMLS# 255253

Jeremy

Jeremy Karedan

Loan Officer

954-662-8508

NMLS# 1718163

Digmey

Digmey Jaramillo

Loan Officer

773-842-4225

NMLS# 292220

Marilu

Marilu Saucedo

Loan Officer

773-710-5392

NMLS# 1500486

Manoj

Manoj Thomas

Loan Officer

847-999-8070

NMLS# 1997082

Biju

Biju James

Loan Officer

847-471-4423

NMLS# 2023450

Kattia

Kattia Reyes

Loan Officer

847-873-4888

NMLS# 2010210

Daniela

Daniela Casarrubias

Loan Officer

773-344-5529

NMLS# 2220190

William P

William A Penate

Loan Officer

773-844-9482

NMLS# 427487

Mohammed

Mohammed Hafeez (Mo)

Loan Officer

312-780-1444

NMLS# 2124277

Tijo

Tijo K. Joseph

Loan Officer

773-208-3427

NMLS# 2170202

Shijo

Shijo Mullappallil Esq.

In House Real Estate Attorney

847-650-8241

Testimonials

Nandini PillaiNandini Pillai

I worked personally with Jeremy Karedan both on my first home mortgage and refinance and he was amazing throughout both processes. He helped make my first home purchase a breeze and went above and beyond to explain all the steps, which as a first time homeowner I especially appreciated. The refinance was even smoother and he made sure that I got the best deal possible. I recommend all my personal connections to reach out to Jeremy when they’re looking to finance a home purchase and I would recommend him to anyone who wants a seamless process and the best rate possible!

Ushas JoyUshas Joy

Jeremy and the team at City Wide Mortgage truly care about their clients. Jeremy was very personable, patient, and extremely resourceful in helping me secure my dream home. The best part was that the entire process was STRESS FREE! These guys know what they’re doing. You won’t regret working with Jeremy and his team.

Rajeev NairRajeev Nair

It was a great pleasure working with Jeremy at Citiwide. He is very knowledgeable, very resourceful and always willing to help. I had a few challenges (that were of my own making) during my home buying process, but Jeremy was always there to patiently work with the underwriters and closing agents to meet all the challenges in a timely manner. It is my experience that he can give better rates and better service at a lower cost than any other big mortgage lenders. I would highly recommend him to anyone who is in need of a mortgage.

Pavan PatelPavan Patel

I can’t rave enough about my experience with Citywide Mortgage. Jeremy was extremely knowledgeable, helpful, and helped me take charge in my home buying process. He was always available to answer any of my questions and did a great job of anticipating any questions as well. Great team, great rate, great experience.

Kevin UrbinaKevin Urbina

Jeremy and his entire team are a well-oiled machine. We needed to process a refinance closing asap for my family's home, and we received a clear to close within just 2 weeks!! It is unbelievable how well this company works and how much they truly care about their clients and their needs. Jeremy was an absolute pleasure to work with. He had a sense of urgency, compassion, and communication. Truly someone who loves what he does. Above all, Jeremy went above and beyond to make sure we received the absolute best prices in such a hectic market. I will definitely be a returning client, as well as spreading the word to others. From the bottom of my heart, thank you once again, Jeremy and the Citywide Mortgage Team!!

Current

Illinois

Mortgage Rates

FHA Loans

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Last Updated: 3/3/2024

Conventional Loans

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VA Loans

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Last Updated: 3/3/2024

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Citywide Mortgage to receive a personalized rate for your specific situation.

  • Jeremy and the team helped me close in less than 2 weeks! They treated me like family and explained everything in a way I can understand. Having an in house attorney was also a plus, pretty much a one stop shop! I will definitely contact Jeremy for my winter home in Florida! Sheljo Abraham - September 26, 2019

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Illinois? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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Contact Citywide Mortgage

Citywide Mortgage

4323 W Irving Park 1B
Chicago, Illinois 60641
(773) 202-2600
NMLS# 255253

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If you have any immediate questions or concerns don't hesitate to give us a call @ (773) 202-2600

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