About Jonny Graver
AL - 85224, TN - 2234459, FL - LO99025, NC - I-216793, TX - Licensed, OH - MLO-OH.2234459 Before Jonny Graver ever closed a mortgage, he was overseeing eight restaurants across four mountains in Germany. After moving there in his twenties, he learned the language in three months, worked his way up from cook to executive chef, and spent a decade traveling Europe and mastering his craft. That kind of drive, adaptability, and genuine passion for taking care of people did not stay in the kitchen. It followed him straight into the mortgage industry. Now a Loan Officer at Citywide Home Mortgage with over five years in the business, Jonny specializes in central Florida with deep roots in Lake County and the surrounding area. He is also licensed in Alabama, Ohio, North Carolina, Tennessee, and Texas, bringing that same hands-on dedication to clients across multiple markets. He has been a consistent top producer at every company he has worked with and was even recognized with a Love Our Clients award from a previous employer, an honor that tells you everything you need to know about how he operates. His work with Habitat for Humanity, where he teaches their HUD approved course on down payment assistance, reflects a commitment to homeownership that goes well beyond the transaction. Jonny has a particular passion for first-time homebuyers and takes pride in walking them through every step of the process with patience and clarity. But his relationship with clients does not end at closing. He is the loan officer who helps you find a good contractor, recommends a fencing company, talks through what to expect as a new homeowner, and checks in just to see how the family is settling in. His clients call him Jonny on the spot, always available, always knowledgeable, and always a friend. Outside of work, Jonny is still very much in the kitchen, cooking restaurant quality meals and teaching others the secrets behind them. He also enjoys working on motorcycles, playing disc golf, and above all else, making sure his kids are experiencing everything life has to offer. He brings that same full-hearted approach to every client he works with.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. 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 for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide. Citywide its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 9815 S Monroe Street, Suite 106-A Sandy UT, 84070
