About Troy Telthoester
SD - 842029.MLO, FL - LO34051, IA - 48288, WI - 842029, MN - MN-MLO-842029, ND - NDMLO842029, NE - Licensed 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."*
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
Get a sense of the costs of buying a home with our monthly 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 10591 165th St. West, Lakeville MN, 55044