96,817 Points

Name

Michael Deery

Company

Citywide Financial Corp

E-mail

Contact Michael Deery (Citywide Financial Corp)

Website

http://www.michaeladeery.com

Office Phone

(858) 200-9602

Cell Phone

(858) 442-2686

Fax

(858) 630-4460

Address

825 Toulon Court, San Diego, CA, 92109

Description

I am an expert mortgage planner working in the San Diego area. I specialize in providing buyers, homeowners and Real Estate agents with the right answers & solutions to all their mortgage needs!

About Me

I was born and raised in beautiful Donegal along the Northen coast of Ireland. Growing up in Ireland I was raised amongst a family of entrepreneurs, I was also surrounded by the friendliest and most helpful people in the world. I have no doubt that this gave me a very positive outlook on life and helped me develop a spirit to one day serve the people and run my own business. My journey to America started in 1994 when I was offered a soccer scholarship to the University of San Diego. I studied business and psychology at USD, and upon graduating in 1999 I started out my mortgage career at Wells Fargo as a loan officer.

I have now been in the mortgage business now for 12 years and have funded over 1150 loans. My extensive mortgage experience has seen me serve as a Senior Account Executive at Wells Fargo and HSBC, and as a Senior Wholesale Mortgage Representative and an Underwriter at HSBC. Because of the great training and education I received at Wells Fargo and HSBC, I decided to open up my own mortgage company and founded Citywide Financial Corp in March 2004 on St Patricks Day, as I wanted to make sure I was blessed with some extra luck LOL. I love being in business for myself and I have a passion for helping people, and there is nothing more rewarding than helping people finance the home of their dreams.  

My Experience

I am an expert mortgage planner who helps clients devise a mortgage plan that integrates into their short and long term financial goals, creating added safety, liquidity, leverage and wealth. The majority of my business is done in the home loan market of San Diego. Because of my extensive training and experience gained while working on the lender side as an underwriter in the past, this has definitely helped me develop my role as a mortgage expert in the San Diego community.

Never more than in today's marketplace, have buyers, homeowners and real estate agents needed the expert guidance of a mortgage professional who can guide them through this difficult market to help them achieve their financial goals. The foundation of my business is to develop long lasting relationships with my clients and business partners that will last a lifetime. It is my goal to use all my experience to make the mortgage process a seamless process for everyone involved, and to help everyone meet their financial goals. I have no doubt we will exceed everyones expectations.

Client Testimonials

• I have now refinanced 3 loans with Michael. He has always been prompt, reliable, efficient and responsive. The rates he has been able to obtain have been outstanding. I have recommended him to friends and family and they have also been extremely pleased with his outstanding and professional services.

Dr Nancy Everett, Contra Costa, CA

• Greetings Michael, I want to let you know how pleased I was with Citywide Financials’ efforts in obtaining my home loan.  You were highly responsive to my needs from day one, and that’s so rare.  Your personal communication was encouraging throughout my loan process, and assured me that you and your staff were on top of things.  I truly appreciate your sticking with me through all the ups and downs of this past year.  Your tenacity & upbeat attitude made this happen. As you know this was not my first home loan, and you’re not the biggest lender I’ve worked with… but I can undoubtedly say, you’re the best!  I would highly recommend you & Citywide Financial to anyone needing a home loan! Best regards & thanks again for everything!!

• Michael and Hallie are the best! He helped my wife and I purchase our first dream home. As first time home buyers we were  nervous, but Michael made us feel at ease by doing an awesome job in finding us a great rate and went to bat for us whenever any obstacles came our way. His Knowledge, honesty, and professionalism is what you would want in a mortgage professional. Michael will be the first one I recommend to any of my family and friends, he is truly "Top Notch".

Daniel and Jennifer Laam, Spring Valley, CA

• I really want to thank you and everyone in your office for all the hard work you did to get my new house. Because you worked so diligently, we were able to meet the original closing date. My agent and I was so impressed by your friendly and professional manner, especially with the frequent contact with e-mails, which made the process much easier. I will surely recommend and continue you to anyone who is looking for a mortgage loan.  

 Eva Walsh, Menifee, CA

• Michael Deery and Citywide Financial Corp helped us refinance our home when we were upside down on our mortgage.  He managed to find a bank that was willing to refinance at 100% value of loan to market and with NO appraisal. While the banking and lending institutions were being very demanding and extremely frustrating at times with their request, Michael and his loan processing Manager, Hallie Smith, remained professional through the whole process and made sure we knew what was going on every step of the way. The Citywide Financial Team worked hard to push our loan though when we were ready to give up, keeping the refinance process as smooth and painless as possible.  I would recommend their professional services to anyone out there, who is looking to refinance and upside down home, or for any mortgage needs.

 Dimitri and Heidi Papachristos, San Diego, CA

• As a first time home buyer I had minimal knowledge in how the financing worked. Sure, I knew what a mortgage meant. But I didn't know all the details behind it. I knew I needed a Loan Officer that was an expert in his field, could share that knowledge, and was confident in his work. I started off reading Michael's blog to gather my own opinion of his work, and after a few reads, I knew immediately that he met all my requirements. Michael got me the loan I wanted hassle free, while patiently teaching and clearly answering all my questions. My experience working with him and Citywide Financial was unforgettable. They are true professionals.

 John Mummery, San Diego, CA

• Michael Deery made my refinance as easy and hassle free as the process can be. After working with a prior loan company who dropped the ball and wasted 1.5 months of my time and money, Michael was a real pleasure to work with. Michael was able to clearly communicate my refinance options and the refinance process. He set forth the timelines for the process and kept me updated and informed of the status of the loan. He promptly returned all my phone calls/emails and was readily avilable to answer all my questions. I will definitely use Michael for future transactions and will recommend him to my family and friends.

Amber and Richard Ortiz, San Diego, CA

•  Michael, thanks for all your great work. Your team made it very easy on me and worry free, I really appreciate all your guys did. Do me a favor and keep any eye on rates so we can refinance our primary too, we would love you guys to work on that loan too for us.

AJ Albertalli, Bakersfield, CA

• Recently, my husband and I have had the pleasure of working with Michael Deery at Citywide Financial Corporation. He assisted us in obtaining a great loan and guided us through the loan process with our best interests at heart the entire time. He was very knowledgeable, courteous and prompt regarding our needs and he institutes a great deal of common sense, which we find to be a great asset. I'm sure we were not the easiest clients, initially, as we needed to decide whether or not to purchase a new home or stay in my fathers home upon his passing. Michael assisted us in making the best decision for our family. He also put us in good hands with regards to the people who processed our loan too. I'm sure with all the many restrictions regarding the loan process and banking industry these days, our experience could have been a quite different one, however thanks to Michael and his team, I can honestly say that I would refer him to anyone who is in need of his services. And without a doubt, I wil contact Michael again in the future regarding any financial and home loan needs.

Debbie and Jim Reid, Santee, CA

• I am a firm believer in setting clear expectations. There are lenders that will "tell you what you want to hear" to get the deal. Michael will tell you the truth based on the market and his knowledge of it. In this respect, he will answer your questions based on the actual facts so that you can make an informed decision with confidence. Personally, I was on the fence whether or not to lock my rate and when the right time would be during my escrow. Michael let me know that it was my decision, but that there were certain events that I might wan to pay attention to. I did and I am going to be thankful for the next 30 years, as I was able to get a rate at 3.875% on my mortgage. Thanks again Michael! 

Joshua Hambarian, Encinitas, CA

• Thanks so much Michael for all your hard work on both of my purchase loans. You put in a lot of work and went out of your way-even on your honeymoon-to follow these loans through. I know the market is very difficult but you and Hallie helped make it very pleasant and did as much as you could to make it easy for me. Since you got my loan done I also used for my second home too. And I will use you for my next purchases too when I am ready. Best to you..Ann

Ann Labe, San Diego, CA

• Michael, we just wanted to thank you and your team for all of the assistance in refinancing our loan. I have been through this process a few times in the past and I can honestly say this was the most hassle free yet. Once you and your team had the information requested, there was very little that we had to do. The in home notary service was so simple and made such a difference too. Thank you for making this such a positive experience and for the great communication along the way!

Jerel and Lisa Eubanks, Del Mar, CA

• Being a first time buyer, working with Michael was ideal. Michael and his team made sure my best interest came first in the loan process. They were always available and willing to help with anything I needed to ease the process. I would definitely recommend the Citywide Financial team, as well as use them again in the future.

Kimberly Marshall, San Diego, CA

• Michael, you guys did a great job with our loan and you really explained things very well, you also pretty much walk your clients through the whole process from beginning to end. We sure will refer you to other people who we know are looking for a loan. 

Dimitri and Heidi Papachristos, San Diego, CA

• Dear Michael! Thank you so much for taking so much care of me over the last 6 months. I don't know how to repay you. I know the transaction wasn't easy but you were able to get me so much needed financing. I'm living in my new house and it is the best feeling in the world!! Special thanks to your assisstant Hallie, she was very attentive. I know you will be handling all of my financial needs from now on, you've earned this right Michael. I wish you and your organization continued success. Yours truly.

Rudy Degel, San Diego, CA 

•  Our experience with Michael and his staff at Citywide was great!  All of our questions were answered right away.  We appreciated the prompt attention and service which was excellent.  We will definitely work with him again and recommend him to others.  Michael was very professional and kept in contact with us often to make sure everything was going well.  We would highly recommend Michael and his staff.

Ada Meraz & David Gonzalez, San Diego, CA 

• Michael, I would like to pass onto you an your team our sincere appreciation for the professionalism and the consistent support you provided us through the loan process for our new home. Your team's communication and attention to detail was outstanding. In today's world where customer service sometimes seems to be lost, it is refreshing to have worked with a team like yours. Thansk again for a job well done.

Silas Suazo, Albuquerque, New Mexico

• Michael Deery of Citywide Financial provided me with excellent service and got me a great loan. I was kept infomed throughout the loan process regarding the progress and what needed to get done. Every individual I worked with was professional, couteous and accomodating. It was all so easy! Thank you Michael

Dawniel Malandra, Del Mar, San Diego

• We recently completed our refinance with Michael Deery and Citywide Financial. Michael is a very professional and knowledgeable mortgage broker. We shopped around and he was able to get us the best rate with the lowest fees. More importantly, Michael kept us updated and informed throughout the entire process. He was always available to answer all our questions and he made sure we knew the status of our loan at every stage. I was continually impressed with how quickly Michael and Hallie responded to our emails. Overall, it was a painless process and he will be my first choice should we need a loan in the future. In fact, I have already referred him to my brother and 2 of my friends.

Patti Selbrede, San Diego, CA

• I am an out of state purchaser who recently purchased a beach home in San Diego with the help of Michael Deery and his assistant Hallie Smith. Michael and Hallie were very thorough and prompt in their loan processing procedures and I was most impressed in how often I would receive updates regarding every step and aspect of the loan process.   Any speed bumps that would occur were quickly resolved and I thank Michael and his team for making the process an easy one especially since I am not in California and was able to continue with my busy work schedule and family here in Colorado.  The entire process was fluid and unproblematic and I would recommend Citywide Financial and the entire Michael Deery Team to my friends and family. 

Paul Kelley, Denver, Colorado

• Michael and his team at Citywide Financial did a fantastic job, not only did they get me a great rate, but they made the process really easy for me. I was so happy with their services I have already referred my daughter Veronica over to Michael so he can help her family refinance also. 

Bill Souza, Livermore, CA 

• Michael and Hallie were outstanding throughout (and even after) our transaction. They helped us to quickly get an approval letter so that we could put in our offer on short notice. They kept us up to date on everything that was going on with the lender, and helped us to lock in a great rate.  When there were problems with the underwriters, they were proactive in taking steps to make sure our loan got funded.  At closing, they helped to ensure that we were being charged the right amounts and contacted escrow on our behalf.  Michael and Hallie made our transaction so much cleaner and easier than we anticipated.  I would definitely recommend them to anyone

Brian and Stephanie Adkins, San Diego, CA

• I will recommend Michael Deery to all my friends who are looking to finance their mortage. He was proactive in getting me the best rate and the best fit for my income and budget, a tremendous relief during this tough economic climate.  I had complete faith in him thoroughout the process, he was always available to answer any questions I had along the way. The paperwork seemed overwhelming at times yet Halle was accomodating and supportive whenever I needed clarification. I am so appreciative of everything that Michael and his team did for me, it was a truly great experience. 

Heather Jeffrey, San Diego, CA

• Michael Deery and Citywide Financial Group provided us with a level of attention and professionalism that exceeded our highest expectations as first-time buyers.  On a personal level, Michael couldn't have been more of a pleasure to work with and his knowledge base was impressive.  We will definitely work with Michael in the future for all our home mortgage needs!

Phil and Jennifer Pierce, Del Mar, CA

• This is the first house that I have bought and it is the biggest transaction I have ever made.  Michael and his team were very helpful in making sure that I knew where I stood during the whole time of the sale.  He gave great guidance and he was always very quick to respond to any questions that I had.  Thank you Michael, I am thrilled to be moving into my new home!!

Mary Heim, San Diego, CA

• My experience with Michael was amazing. He was reliable, responsive and very helpful during the entire process. Michael really helped me understand everything and the process went very smoothly, much more so than I thought it would be, all thanks to Michael. I will definitely recommend him to my friends and family.

Andrea Lyons, Riverside, CA

• I had a great experience in refinancing my home to a 15 year loan with a great rate! Michael Deery made everything very easy for me in doing this, and he was very honest and answered all of my questions along the way. He has a lot of knowledge, and was very patient with me in answering all of my questions. Michael was able to give me the best rate and he gave me great service. He also gave me some financial planning advise. I would definately recommend Michael Deery for a new loan or refinance!

Jean Mac Donald, Sacramento, CA 

• I chose Michael for one reason, to get the job done, get it done right, and get it done fast.  I was working on purchasing a short sale since February of 2010 and I received an approval for purchase in June of 2010.  Like most short sales the closing date requested by the bank was a little over two weeks from the approval.  I knew this was going to be a tough task and I knew I would have to call on Michael to make this happen.  Michael made it happen with days to spare! Michael worked directly with the Realtor teams on both sides of the transaction, the escrow folks, and the lenders.  I knew I could sit back and leave it in Michaels hands with out worrying about the time frame constraints.  I really do not think most brokers could have got it done it the allotted time. I would gladly recommend Michael to anyone I know looking for a loan, and definitely recommend him for anyone needing a loan on a short sale.

Clayton Tripoli and Amber Martin, San Diego, CA

• My experience with Michael Deery and Citywide Financial was very positive.
  Michael was quite knowledgeable and patient with a near-constant stream of
  first-time homebuyer questions.  Honest, trustworthy, and a gentleman.  A
  pleasure to do business with!

Chris Peppel, San Diego, CA

• Michael Deery and the team over at Citywide Financial did my home loan and they could not have done a better job. They went above and beyond in terms of getting me the best rate and deal, keeping me informed throughout the loan process and educating me on how loans work in this current market. With Michael, you are getting a professional who has more industry knowledge and experience then the vast majority of people doing loans. His attention to detail is a 10! Michael did such an amazing job with my loan that my realtor now refers all his home buyers to Michael."

Mike and Christine Gunn, Del Mar, CA

• As a single Mom, and first time home buyer, I didn't know what to expect.  I didn't have "perfect" credit, but Michael was able to find the right bank to fund my loan and assured me from the start that everything would be fine.  Michael and his associates assisted me in understanding that, yes, my dreams of owning a home could come true.  They were always there to answer my calls, and questions at any time of the day, which was great since you think of the strangest questions to ask at the oddest hours.  Michael kept me informed every step of the way, pretty much on a daily basis.  I didn't have to wait hours or days for updates or answers to my questions.  He also made sure to remind me each time documentation was due, and his assistant Hallie kept in constant communication with me, once my offer was excepted and the funding process began.  Thank you Michael & Hallie for making my dream of homeownership come true!

Heather Steeley, Contra Costa, CA

• I am a first time home-buyer and my experience with Michael Deery and his team of professionals was both seamless and educational. When we hit road blocks Michael was right there to explain and walk me through each step of the way. Michael made me comfortable and confident in the loan process and was able to re-negotiate a lower interest rate than what was previously quoted! I am excited about being a new home owner and I thank Michael and his team for helping to make this possible".

•  Mike, You did an awesome job!! I really appreciate all the updates you provided. I will be more than happy to recommend you to any buyers I talk to.

 Merwan Chebab, Benchmark Realty, San Diego CA

• Outstanding customer service, excellent communication and getting the job done are some of the reasons why I went with Michael Deery and Citywide Financial Corp. He has guided me through two mortgage refinances without a glitch or a concern. I have recommended Michael to all my friends and family

 Joanne Day, San Diego, CA

• Michael and his team did an excellent job on our refinance.  Michael was very informative and always available to answer my questions.  He kept me updated constantly and was very easy to work with.  Michael made the refi process very easy.  We will definitely use his services again!

Michael and Rachel Pasol, San Diego, CA

• Michael Deery and his team was instrumental in the financial aspect of purchasing my first home.  He kept me informed throughout the entire process by updating me daily when necessary and responded to my questions and concerns on a timely basis. Thanks for your support and guidance.  

Louella Mc Carroll, San Diego, CA

• Dear Michael Deery, My family would like to thank you for your extraordinary efforts and ability to make the impossible, possible. You have on two separate occasions “saved the day” for both my parents and I. Our family is in your debt and we are truly grateful for what you have done for us financially! We would recommend you to anyone, anytime. We have already referred many of our families members and closet friends and wouldn’t trust such a major life impacting financial decisions as a home loan or refinance with anyone else, and we have unfortunately kissed some frogs along the way. Please feel free to use me as recommendation anytime. Best Wishes

Theodore Lawton, and The Mc Avoy's, Lawton's, and Battaglia's

• Dear Mr. Deery, We would like to express our appreciation for keeping us informed of the lower mortgage interest rates and helping us on the recent refinancing of our home.  As a result, we now have a lower mortgage interest rate of 4.75% and a lower monthly mortgage payment. Your firm and the staff members were very professional, prompt and courteous in handling our financing needs.  I look forward to your continued professional assistance in the near future and would refer my relatives and friends to you for their financing needs.

Van and Kim Do, Montebello, CA

• I think the first sign of outstanding customer service is accessibility. Michael was always prompt and available to answer my questions and made the experience of refinancing more stress free than I could have hoped.

  Fran Ferguson, Palm Desert, CA

• Working with Michael Deery was a pleasure, I was not going to refinance until Michael was able to get me an interest rate of 4.875% when everyone else was quoting me rates in the 5% range. Thank you again for always being there for me and for taking all my calls. You are the best!

Diane Lory,  La Jolla, CA

• Michael Deery is one of the best mortgage professionals I have ever worked with since I started buying homes 10 years ago. He is truly professional, expedient and honest in his dealings with his customers. Most importantly, Michael works with his clients to get them the best mortgage rates that fits their needs, while also acting as a mortgage advisor and planner when needed. Michael has been highly recommended to all my family and friends.

  Charity Ogunsanya, Murrieta, CA

• I would like to take a moment to thank you for all the hard work you did to secure my refinance loan. I know it must have been particularly hard being that my property was in Hawaii and I know things are done differently there too. Thank you for your patience and perseverance as I know we were working against different time zones too. I will recommend your service in the future.

  Robert Ortenzo, San Diego, CA

   

• As a first time home buyer, I was really nervous about the mortgage process, particularly given the current financial market. Michael and his staff were very patient and answered all my questions, and worked very hard to get us a fantastic low interest rate. Thanks again for all of your encouragement, persistence and hard work.

  Sue O’Brien, San Diego, CA

• Michael and his team worked a miracle on a loan i needed for an investment proeprty! I was in the middle of a purchasing a property durign the 4Q of 2008 right when the financial meltdown was taking place. Lending requirements were changing daily and Michael was following the market closely and keeping me up to date on how those chnages were affecting our loan. This was a very difficult time to get financing and without Michael and his team we would have fallen out of escrow and lost a great opportunity. Thank you again Citywide Financial. 

Ernie Anderson, San Diego, CA

• With the cost of everything on the rise, we needed to lower our house payment. We had worked with Michael Deery before so we felt comfortable calling on hin again. It’s quick, easy, and satisfying knowing you are getting the best loan possible. But don’t just take our word for it give Michael a call today. You won’t be disappointed. Thanks again Michael!

Larry & Wanda Smith, Contra Costa, CA

• Dear Michael, both my Mom and I felt comfortable throughout a process that we know can be very confusing.  You and your fantastic staff provided excellent advise and listened to our numerous questions throughout the whole lending process.  It makes us feel great to know there are trustworthy professionals out there like Citywide Financial. Thanks again and cheers

Robert and Barbara Brown, San Diego, CA

•  Michael and Hallie were great. They kept us informed and did a great job of getting things done. Loans are much more complicated these days and there is tons of read tape, but Michael navigated through all of it for us and guided us on exactly what to do. They are real pros and I would recommend them to anyone. In fact, I have sent a few family members and friends to Michael and they have all been very pleased with his services.

Trent Selbrede, San Diego, CA

• Michael and his staff at Citywide Financial did a great job getting financing for my third property. When the bank said it could not be done, Michael was able to get the process done in less than 3 weeks. I have already referred two of my friends to Michael who want to refinance also.

  Ruth Deye, San Diego, CA

• Michael Deery and his team of professionals were awesome throughout the whole loan process.  He was very knowledgeable about rates and the mortgage process.  His expertise in the field enabled my wife and I to lock in an excellent rate early.  He kept us in the loop the entire time and explained everything in terms we could easily understand.  He was very patient and professional from start to finish.  He made our refinance easy and stress free. 

Steve and Alicia Susalla, San Diego, CA

• I want to thank you and your team for the excellent work you did for us in helping us buy our first home. You made the process a lot easier than I expected considering the state of the lending world. We will be having you over for dinner soon.

  Geoffrey and Julie Adams, Riverside, CA

•  Thank you for everything and getting us a great loan Michael! We are so happy with our new rate. It's always a pleasure working with you and I am more than happy to refer your services to anyone I may become aware of that could use your expert help.

Jesse and Sudie Waters and the Mosley family, San Diego, CA

• Dear Michael, myself and Katie both want to thank you for the excellent job you did in keeping us informed and on track with the with our transaction. It is really refreshing to work with a lender who exemplifies true professionalism in service and communication.

  Janet Fuller & Katie Taylor, Realtors, Temecula, CA

• Hello Michael, Catherine and I want to extend our gratitude to you for your honesty, hard work and never say die spirit during the purchase of our property. We both know this is a tough market and we are so happy we were able to buy our dream home. Thank you so much   

Charley and Catherine O' Shea, San Diego CA

• Mike, Thank you very much for helping us with our refinance.  You guys did a great job, and were very easy to work with.  I really appreciate you keeping me in the loop as the loan went through its process, and thank you for being up front with me on all the fees that we may expect.  With rates this low, you’ve helped us lock in a very cost efficient mortgage that we will help us in the future.  Be aware, I’ve given your name to a lot of people, so you may be receiving more phone calls soon. 

  Paul and Ranee Fisher, San Diego, CA

• If you are one of those who has chosen Michael Deery and his Company, Citywide Financial Corp , for the purrpose of securing financing, you are very fortunate. Mike will keep you very much up to date in the progress he and his staff are making toward the achievement of your goal.  You will get very straight answers to all of your questions.  And, you will receive the same attention from Hallie and Kelsey, his assistants. To work with all of them is a very comfortable experience.

Manny and Colleen Tabackman, San Diego ,CA

• Maybe it was the Irish, Scottish thing, I don’t know, but I do know this, Michael and his group of professionals, Hallie and kelsey did the best job I could expect. What a wonderful experience. It was the easiest refinance loan I have ever done. It must have been the Irish Scottish thing. Thank yoo.

Ian Airlie, Los Angeles, CA

• My wife and I worked with Michael on refinancing our home.  He was responsive, knowledgeable and patient throughout the process.  He displayed a level of professionalism rare in his profession.  We will most certainly use his services again in the future.”

Dr. Tod Oliver, San Diego CA