CA - CA-DOC309559





As a Processing Manager at Citywide Home Mortgage, it is my responsibility to ensure the mortgage process is a smooth and easy experience. My Team and I pride ourselves on our excellent customer service and strive to keep in constant communication with my clients, realtors and referral partners. You can count on me and my team for responsible, honest, and ethical service in every step of the process.

Processing Manager

Michael Jacobs is your Chicago local lender. As a loan officer at Citywide Home Mortgage, Michael is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michael at (312) 752-1308 for more information!

Michael Jacobs at Citywide (NMLS #309559)

CA - CA-DOC281984



As a Division President at Citywide Home Mortgage, it is my responsibility to ensure the mortgage process is a smooth and easy experience. My Team and I pride ourselves on our excellent customer service and strive to keep in constant communication with my clients, realtors and referral partners. You can count on me and my team for responsible, honest, and ethical service in every step of the process.

Division President

Michael Kalai is your Los Gatos local lender. As a loan officer at Citywide Home Mortgage, Michael is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michael at (312) 300-0883 for more information!

Michael Kalai at Citywide (NMLS #281984)

CA - CA-DOC300580  
An Air Force veteran and MBA graduate from the State University of New York at Buffalo, Mike became an integral part of the Reen Team in 2003, following a successful digital TV career. Leveraging his diverse skillset, he is pivotal in enhancing our customers' journey. Starting in 2018, Mike has focused on delivering expert guidance in reverse mortgages, catering to our clients and their referrals.

Loan Officer

Mike Reen is your Los Gatos local lender. As a loan officer at Citywide Home Mortgage, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (408) 626-1877 for more information!

Mike Reen at Citywide (NMLS #300580)

CA - CA-DFPI304120  
Since receiving her degree in Business & Economics, Michele has been a dedicated residential loan consultant in California since 1991, where she has consistently delivered exceptional service to her clients. Her business is primarily referral-based, a testament to her decades of expertise. Michele's commitment extends to educating first-time buyers through her Homebuyers Workshop, a tradition she has upheld for over 30 years. As a part of Citywide Home Mortgage, Michele offers a comprehensive array of lending options, including banking, brokering, down payment assistance programs, and reverse mortgages, ensuring she can meet the diverse needs of her clients. Count on Michele to provide you with the personal attention you deserve and treat you with the utmost respect as a valued customer.

Michele Reen is your Los Gatos local lender. As a loan officer at Citywide Home Mortgage, Michele is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michele at (408) 355-2108 for more information!

Michele Reen at Citywide (NMLS #304120)

Los Gatos

<footer class="cityWide-site-footer">
    <div class="cityWide-container-fluid">
        <div class="cityWide-footer-logo-container">
            <a href="/" class="cityWide-footer-logo">
                <img 
                    src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt02e81737e432a3b3/663d1a061077fa25cede7454/cw_hm_no_lines.svg" height="100" width="300"
                    alt="CityWide Home Mortgage"
                >
            </a>
        </div>
        <div class="cityWide-footer-links">
            <div class="cityWide-footer-full">
                <div class="cityWide-footer-full-content" tabindex="-1">
                    <div class="cityWide-row">
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">YOUR MORTGAGE</h2>
                            <div class="cityWide-menu-your-mortgage-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://my.citywidehm.com">
                                            Sign In To Your Account
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://my.citywidehm.com">
                                            Pay My Mortgage
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">LOAN OPTIONS</h2>
                            <div class="cityWide-menu-loan-options-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/same-day-mortgage/">
                                            Same Day Mortgage
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/fha/">
                                            First Time Homebuyers
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/heloc/">
                                            HELOC
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-options/jumbo/">
                                            Jumbo
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">MORTGAGE TOOLS</h2>
                            <div class="cityWide-menu-mortgage-tools-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/mortgage-calculator/">
                                            Payment Calculator
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/articles/">
                                            Articles &amp; Advice
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">COMPANY</h2>
                            <div class="cityWide-menu-company-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/our-culture">
                                            About Us
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="https://www.citywidecareers.com/">
                                            Careers
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/leadership">
                                            Leadership
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/contact-us">
                                            Contact Us
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                        <div class="cityWide-links-container">
                            <h2 class="cityWide-links-header">CONNECT WITH US</h2>
                            <div class="cityWide-menu-connect-with-us-container">
                                <ul class="cityWide-menu">
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="tel:8665085515">
                                            (866) 508-5515
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="mailto:customersolutions@citywidehm.com">
                                            customersolutions @citywidehm.com
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item">
                                        <a href="/loan-officers/">
                                            Find a Loan Officer
                                        </a>
                                    </li>
                                    <li class="cityWide-main-links cityWide-menu-item cityWide-menu-item-type-custom">
                                        <a href="/branches">
                                            Branches Near You
                                        </a>
                                    </li>
                                </ul>
                            </div>
                        </div>
                    </div>
                </div>
            </div>
  
            <div class="cityWide-container-fluid">
            <div class="cityWide-nav-row cityWide-row">
                <ul class="cityWide-menu-social-menu">
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.instagram.com/citywidehomemortgage/" target="_blank">
                            <img 
                                alt="instagram" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt33a32b7bb3275f80/6617134a1952f02e74fc2200/instagram_logo.svg" 
                            /> 
                        </a>
                    </li>
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.linkedin.com/company/citywidehm" target="_blank">
                            <img 
                                alt="linkedin" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt64d19f920d345f58/6617134192e789b8b130df0b/linkedin_logo.svg" 
                            /> 
                        </a>
                    </li>
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.facebook.com/profile.php?id=61572535376496" target="_blank">
                            <img 
                                alt="facebook" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt5f5bbacf59d6beea/66170f96470f71a1546170a8/icn-facebook.svg" 
                            /> 
                        </a>
                    </li>   
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://www.youtube.com/@citywidehm" target="_blank">
                            <img 
                                alt="youtube" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/bltbb455195b7a8698e/66171026fffe406f0c1e49a1/icn-youtube.svg" 
                            /> 
                        </a>
                    </li> 
                    <li 
                        itemscope="itemscope" 
                        itemtype="https://www.schema.org/SiteNavigationElement" 
                        class="cityWide-menu-item cityWide-menu-item-type-custom"
                    >
                        <a href="https://x.com/CitywideHM" target="_blank">
                            <img 
                                alt="X social media platform" 
                                border="0" 
                                height="32" 
                                src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blte4892288a018e07d/661cb06112f27579edeff3bb/icn-x.svg" 
                            /> 
                        </a>
                    </li>                                                            
                </ul>
                <div class="cityWide-assoc-logo">
                    <img 
                        src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/bltfa7054fe71a8fda6/661713f3da0c3ad573f788e3/assoc-logos.png" 
                        alt="CityWide Associated Logos" 
                        style="max-height: 32px;" 
                    />
                </div>
            </div>
            </div>
    
        </div>
  
        <div class="cityWide-site-info container-fluid">
            <div class="cityWide-row">
                <div class="cityWide-site-info-disclaimer">
                    <img 
                        class="citywide-equal-housing-lender"
                        src="https://images.contentstack.io/v3/assets/bltb30691d69e38e7b0/blt5092f79d04c73412/66171244add0c935285e51a3/equal_housing_lender.svg" 
                        alt="Equal Housing Lender"
                    >
                    <p>Copyright © 1998 - 2025 Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage. All rights reserved.</p>      
<p>For licensing information, go to: <a class="cityWide-nmls-link" href="https://www.nmlsconsumeraccess.org" target="_blank" rel="noopener">www.nmlsconsumeraccess.org</a>.</p>                    
<p>NMLS License #2611 – 9785 South Monroe St., Suite 200 Sandy, UT 84070 - (866) 508-5515</p>
                    <p>This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.</p>
                    <p>Operating in the state of California as Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage. If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.</p>
                    <p>Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide Home Mortgage for current rates and for more information.</p>
        
                    <ul class="cityWide-menu-legal" class="cityWide-menu">
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a 
                                href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/1e7a5fe9-a396-4b90-afb8-3661e92f6558"
                            >
                                DO NOT SELL MY PERSONAL INFORMATION
                            </a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/licensing-information/">Licensing</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/notice-to-vendor/">Notice to Vendors</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/privacy-policy-center/">Privacy Policies</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/sms-terms/">SMS Terms</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/terms-of-use-privacy-policy/">Terms of Use</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/texas-consumers/">Texas Consumers: How to File a Complaint</a>
                        </li>
                        <li class="cityWide-menu-item cityWide-menu-item-type-custom">
                            <a href="/accessibility/">Accessibility</a>
                        </li>
                    </ul>
                </div>
            </div>
        </div>
    </div>
</footer>

4 Loan Officers Los Gatos, CA