IA - 48288, FL - LO34051, WI - 842029, MN - MN-MLO-842029, ND - NDMLO842029, NE - Licensed, SD - 842029.MLO  
Troy Telthoester began his mortgage career in May 2003, during a time of historically low interest rates and a booming real estate market. Over the years, he has navigated the industry's ups and downs—including the 2007 housing crisis—remaining committed to his clients and his craft while many others left the business. His longevity is a testament to his strong work ethic, dedication to service, and the long-lasting relationships he's built with clients and colleagues alike.


With over two decades of experience, Troy brings a deep understanding of home financing, a steady hand in uncertain markets, and a genuine care for the people he serves. Clients often describe him as approachable, dependable, and always available—someone who treats every transaction with the same attention and care he'd give to family.


A lifelong Minnesotan, Troy is proud to call the Twin Cities home. He's been married to his wife, Denise, for more than 31 years, and together they have two children, Logan and Rachel. Outside of work, he values time with his family and finds joy in the everyday moments.  
At Citywide Home Mortgage, Troy is backed by a team that shares his values and his commitment to going above and beyond. He considers his support staff like family and believes the strength of the team directly impacts the service clients receive.


Troy's philosophy is simple: treat people right, stay grounded, and enjoy the ride. Or as he likes to say, *"Life is short—enjoy it."*

Loan Officer

Troy Telthoester is your Lakeville local lender. As a loan officer at Citywide Home Mortgage, Troy 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 Troy at (801) 563-2815 for more information!

Troy Telthoester at Citywide (NMLS #842029)

IA - 47607, FL - LO20234, WI - 141164, CO - 100532807, IL - 031.0082209, MD - 141164, MI - 141164, MN - MN-MLO-141164, MO - 141164, ND - NDMLO141164, NE - Licensed, SD - 141164.MLO



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

Pat Chacich is your Lakeville local lender. As a loan officer at Citywide Home Mortgage, Pat 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 Pat at (612) 819-1260 for more information!

Pat Chacich at Citywide (NMLS #141164)

FL - LO102545, WI - 274205, MN - MN-MLO-274205


As a Senior Loan Officer at Citywide Home Mortgage, I am committed to making the mortgage process smooth, efficient, and stress-free from start to finish. My team and I take pride in delivering exceptional service, maintaining consistent communication with our clients, realtors, and referral partners every step of the way.  
In addition to traditional lending, I specialize as a reverse mortgage specialist in Minnesota, helping homeowners better understand and utilize home equity as part of their retirement strategy. As a reverse mortgage loan officer in Minneapolis, I focus on educating clients and partners on the benefits and considerations of HECM loans in Minnesota, ensuring every solution is tailored to their unique financial goals.  
You can count on me and my team for responsible, honest, and ethical service throughout every stage of the process.

Senior Loan Officer

Coleen TeBockhorst is your Lakeville local lender. As a loan officer at Citywide Home Mortgage, Coleen is committed to helping homeowners with home purchase loans, refinances and reverse mortgages while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Coleen at (612) 701-8512 for more information!

Coleen TeBockhorst at Citywide (NMLS #274205)

FL - LO125137, WI - 957114, CO - 100545088, MN - MN-MLO-957114, MO - 957114, SC - MLO - 957114



As a 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.

Scott Roiger is your Lakeville local lender. As a loan officer at Citywide Home Mortgage, Scott 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 Scott at (507) 226-2288 for more information!

Scott Roiger at Citywide (NMLS #957114)

Lakeville

<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 - 2026 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 Lakeville, MN