AZ - 1046793, CO - 100538015, FL - LO118101, IA - 51199, SC - MLO - 194821, SD - 194821.MLO, IL - 031.0089444, WA - MLO-194821, WI - 44813, MN - MN-MLO-194821, NC - I-228097, ND - NDMLO194821, TN - 194821, TX - Licensed, WY - 106866  
As a Regional 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.

Regional Manager

Thomas Jussila is your Cape Coral local lender. As a loan officer at Citywide Home Mortgage, Thomas 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 Thomas at (801) 990-0860 for more information!

Thomas Jussila at Citywide (NMLS #194821)

MN - MN-MLO-148406, FL - LO20394



As a Sr. Loan Officer 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.

Sr. Loan Officer

  is your  local lender. As a loan officer at Citywide Home Mortgage,  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  at  for more information!

John Castilone at Citywide (NMLS #148406)

FL - LO136402, TN - 1451437, WY - 4528  
Candace Palmer is a dedicated mortgage professional licensed in Florida, Tennessee, and Wyoming, with more states on the way. She specializes in VA, FHA, conventional, and first-time homebuyer loans, and takes pride in guiding clients through one of the most meaningful financial decisions of their lives.


Candace is especially passionate about helping first-time homebuyers achieve their dream of homeownership. Her clients often say they appreciate her availability, her willingness to go the extra mile, and her ability to truly listen. She brings a calm presence, a positive attitude, and her signature southern charm to every transaction.


Candace lives in Florida with her husband, a retired United States Air Force veteran, and their beloved pups. In her free time, she enjoys hiking, biking, paddleboarding, and exploring new destinations and cuisines. She is also an avid reader who enjoys quiet moments just as much as adventure.


For Candace, helping clients reach the finish line is not just a job, it is a calling. She is committed to making the mortgage process smooth, supportive, and successful from start to close.

Associate Loan Officer

Candace Palmer is your Cape Coral local lender. As a loan officer at Citywide Home Mortgage, Candace 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 Candace at (307) 823-6025 for more information!

Candace Palmer at Citywide (NMLS #1451437)

Cape Coral

<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>

3 Loan Officers Cape Coral, FL