CA - CA-DFPI1289455  
"Be undeniably good. No Marketing effort or social media buzz can substitute for that".  
-Anthony Volodkin


These words, while short and seemingly simple, are a staple in how Chris chooses to go about his business. Since 2014, Chris has personally overseen 500 mortgage transactions, spanning from coast to coast. Over the years, Chris has obtained and utilized a Mortgage License in 14 states while maintaining a stellar reputation among his clients, customers and community by simply being "Undeniably good".


Born and raised in Southern California, Chris began working in the mortgage industry in 2014 and quickly recognized his affinities for problem solving and speaking to people about their financial goals. He understands that business and borrowers often require his careful attention long after the street lights have reached full glow, so he's never really "off the clock". In between the hustle and bustle of mortgage, Chris enjoys spending time with his beautiful wife, Kristin and their two daughters. While his friends know him as a guy who likes a fine steak when he can get it (with a side of creamed corn, of course) they know that he's likelier visiting whatever great, mom and pop pizza shop that has the game on and chatting up the locals.

Branch Manager

Christopher Williams is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Christopher 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 Christopher at (770) 200-2806 for more information!

Christopher Williams at Citywide (NMLS #1289455)

AK - AKMLO-1326843, AL - 1326843, AR - 1326843, AZ - LO-2001556, MS - 1326843, MT - 1326843, NC - I-223900, ND - NDMLO1326843, NE - Licensed, CA - CA-DFPI1326843, CO - 100538924, NH - Licensed, NJ - Licensed, NM - Licensed, NV - 81337, CT - LO-1326843, DC - MLO1326843, DE - MLO-1326843, OH - MLO-OH.1326843, OK - MLO33992, OR - Licensed, FL - LO127970, PA - 110602, RI - Licensed, SC - MLO - 1326843, GA - 1326843, HI - HI-1326843, IA - 53389, ID - MLO-2081326843, SD - 1326843.MLO, TN - 1326843, TX - Licensed, IL - 031.0085120, IN - 67038, UT - 9557247, VA - MLO-73115VA, VT - MLO-1326843, KS - LO.0052919, KY - MC857848, LA - Licensed, MA - MLO1326843, MD - 1326843, WA - MLO-1326843, WI - 1326843, WV - LO-1326843, WY - 107242, ME - Licensed, MI - 1326843, MN - MN-MLO-1326843, MO - 1326843




As a Director of Onboarding Origination 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.

Director of Onboarding Origination

Daniel Phister is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Daniel 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 Daniel at (801) 506-9548 for more information!

Daniel Phister at Citywide (NMLS #1326843)

UT - 6410970  
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.

Loan Officer

Jason Blood is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jason 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 Jason at (801) 506-1670 for more information!

Jason Blood at Citywide (NMLS #262694)

UT - 5491161  
Larry Braby started in the mortgage industry in 1995. His passion to help every client propelled him to become a branch manager and top producing loan officer within his first year. Larry's dedication to each individual client has allowed him continued success, regardless of the volatile market swings in real estate. The majority of his new business are referrals from the satisfied clients he has helped over the years.

Lawrence Braby is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Lawrence 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 Lawrence at (801) 734-8800 for more information!

Lawrence Braby at Citywide (NMLS #290449)

AZ - LO-0934633, CA - CA-DOC294124, FL - LO63414, ID - MLO-21420, TX - Licensed, UT - 5488850  
Mark Greer has excelled in helping families obtain financing for their purchase, construction, and refinance loans for the past thirty years—safely guiding thousands of clients into the right loan product. As an owner, trainer, recruiter, and branch manager, Mark has the knowledge and experience necessary to provide you with the best loan terms to fit your individually unique situation.

Mark Greer is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Mark 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 Mark at (801) 734-8810 for more information!

Mark Greer at Citywide (NMLS #294124)

UT - 5495485  
With eight years of dedicated experience in the residential real estate industry, Matt Kay brings a wealth of expertise to his role as a Mortgage Loan Originator. Having started as a real estate agent, his seamless transition into the mortgage industry is a natural evolution that aligns with his passion for the real estate sector.


Throughout his career, Matt has cultivated a positive and detail-oriented approach, emphasizing a "glass is half full" attitude. He prides himself on organizational skills and a collaborative spirit, attributes that contribute to a smooth and efficient mortgage process. Motivated, approachable, honest, strategic, and confident—these adjectives encapsulate his professional persona.


One standout aspect of Matt's career is his commitment to client satisfaction. He places immense value on client relationships, ensuring transparent communication to eliminate surprises during the mortgage transaction. His goal is to provide an unforgettable experience, leaving clients fully satisfied with the process.


In terms of achievements, Matt is excited to be part of a dynamic industry with limitless potential. Building new relationships and leveraging existing ones to help clients achieve their dream of homeownership is a source of great joy. Witnessing the relief clients feel when consolidating monthly debt or using home equity for renovations is particularly rewarding.


Beyond his professional pursuits, Matt is actively involved in Habitat for Humanity, reflecting his commitment to community service. In his free time, he enjoys skiing, mountain biking, camping, hiking, hunting, meditation, and socializing. Most importantly, spending quality time with his son brings immense joy to his life.


As a unique personal ritual, Matt kickstarts each day with a cold plunge or shower, finding that it sets a resilient tone for the rest of the day.

Matthew Kay is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Matthew 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 Matthew at (801) 525-2170 for more information!

Matthew Kay at Citywide (NMLS #2540128)

AZ - LO-0944829, CA - CA-DBO1658844  
Wendi Cook is a licensed Senior Mortgage Loan Office in Arizona and California with 20 years of industry experience. She prides herself in helping families achieve their dream of homeownership and helping clients turn big life moments into reality. With a special focus on self-employed borrowers, Wendi brings creativity, resourcefulness, and a deep understanding of non-traditional lending paths to every transaction. When other lenders say no, she looks for solutions. Her clients trust her to explore every option and explain each step in a way that feels clear and empowering.


Wendi works with a wide range of clients but especially enjoys assisting those relocating or purchasing vacation and retirement homes, with Lake Havasu being one of her most active and specialized markets. Whether she is helping someone find a better lifestyle, a place to retire, or a sunny escape, she brings heart and personal connection to the process.


Clients often say they feel genuinely supported working with Wendi. They appreciate her open communication, step-by-step guidance, and unwavering commitment to their success. First-time homebuyers, in particular, note how clearly she explains the process, making what can feel overwhelming feel doable and even enjoyable.


Wendi's approach is centered on care, connection, and honesty. She treats people like people, not transactions, and builds lasting relationships rooted in trust. Her outgoing personality and positive energy help make even the most complex loans feel seamless.


Outside of work, Wendi is a family-focused, sunshine-loving problem solver who finds joy in helping others reach meaningful milestones. Whether you are buying your first home, moving toward a new chapter, or investing in your future, Wendi is ready to walk with you every step of the way.

Senior Loan Officer

Wendi Cook is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Wendi 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 Wendi at (909) 455-6271 for more information!

Wendi Cook at Citywide (NMLS #1658844)

AZ - LO-0914382, NC - I-219627, CA - CA-DFPI226015, NM - Licensed, NV - 81237, OK - MLO33180, FL - LO122211, GA - 226015, ID - MLO-2080226015, TN - 226015, IN - 73498, TX - Licensed, UT - 14192121, MI - 226015  
Stacy Katz is a seasoned Mortgage Originator with extensive experience in the real estate and mortgage industries. With a career that began in 1999, she brings a wealth of knowledge and a unique perspective from her background as a Real Estate Assistant. Stacy's comprehensive understanding of the purchase transaction process allows her to exceed client expectations and build lasting relationships.


Stacy is also a Licensed Certified Sign Language Interpreter, providing invaluable services to the Deaf community. She graduated from Phoenix College in 2002 and earned a BSE in Special Education and Rehabilitation with an emphasis on Deaf Studies from the University of Arizona in 2005. Stacy's dedication to service is evident in her approach to mortgage lending, where she assists a diverse range of clients, including first-time homebuyers, repeat customers, and those purchasing higher-end homes. Her business thrives on word-of-mouth referrals, reflecting the trust and satisfaction of her clients.


Stacy's commitment to her clients is summed up in her motto, "Service is my Signature." She is known for her excellent communication, willingness to help, and creative problem-solving skills. Described as friendly, smart, resourceful, persuasive, and empathetic, Stacy ensures a smooth and enjoyable homebuying experience for her clients, whom she considers friends and family.


Stacy is also passionate about animal rescue, actively supporting Lost Our Home Pet Rescue, an organization founded by her sister. In her free time, she enjoys playing poker, reading, attending Arizona Diamondbacks games, wine tasting, and traveling.  
Stacy Katz is here to make your homebuying dreams come true with dedication and personalized service.

Stacy Katz is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Stacy 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 Stacy at (602) 524-8169 for more information!

Stacy Katz at Citywide (NMLS #226015)

UT - 6032996  
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.

Gabriela Sprouse is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Gabriela 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 Gabriela at (801) 890-7676 for more information!

Gabriela Sprouse at Citywide (NMLS #1027978)

Jonathan Roby is a standout figure in the mortgage industry. With a reputation as "The Bull," Jonathan is known for his unwavering dedication, expertise, and passion for helping clients achieve their dreams of homeownership. Roby's approach goes beyond mere transactions; it's about forging lasting partnerships rooted in trust and shared goals. Referral partners and clients know; he's a trusted advisor, fighting tirelessly for their best interests. Witness a reliable mortgage experience and contact Jonathan Roby today to get started on your journey to homeownership!

Jonathan Roby is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jonathan 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 Jonathan at (813) 981-6767 for more information!

Jonathan Roby at Citywide (NMLS #1526037)

NV - 8730, UT - 14190530  
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.

Chris Vuckovic is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Chris 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 Chris at (702) 963-0551 for more information!

Chris Vuckovic at Citywide (NMLS #1131885)

MI - 1961151  
Brayton Farr serves clients across Northern Michigan and is licensed to work with homebuyers and investors throughout the entire state. He specializes in investment properties, DSCR loans, and first-time homebuyer financing, bringing a strong financial background and a solutions-focused approach to every transaction.


With a bachelor's degree in finance and active licenses in both insurance and real estate in addition to his mortgage license, Brayton offers clients a well-rounded perspective on how home financing fits into their overall financial picture. His expertise allows him to anticipate challenges, explain options clearly, and guide clients toward smart decisions with confidence.


Brayton has been recognized for his leadership and community involvement, earning the 2024 Traverse Connect Rising Star Award and being named the Traverse City Young Professional Member of the Year. Clients often share that they value his accessibility and willingness to connect on their schedule. He makes himself available evenings and weekends when many clients have the time to ask questions and learn more about the process, whether buying a first home or refinancing an existing property.


Approachable and conversational by nature, Brayton believes that strong relationships are the key to successful lending. Whether by phone, text, or email, he enjoys connecting with clients and helping them feel comfortable and supported every step of the way.

Sr. Loan Officer

Brayton Farr is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Brayton 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 Brayton at (231) 241-1269 for more information!

Brayton Farr at Citywide (NMLS #1961151)

AZ - LO-1001833, CA - CA-DBO1819694



As a Loan Processor - Licensed 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.

Loan Processor - Licensed

Faith Lawrence is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Faith 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 Faith at (408) 355-2101 for more information!

Faith Lawrence at Citywide (NMLS #1819694)

MI - 2634688, MN - MN-MLO-2634688



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.

Sam Strouse is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Sam 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 Sam at (989) 859-2685 for more information!

Sam Strouse at Citywide (NMLS #2634688)

AZ - LO-2010253, CO - 100013495, GA - 244839, IN - 75294, KY - MC920447



As a Producing Branch 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.

Producing Branch Manager

Matt Lee is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Matt 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 Matt at (303) 376-9315 for more information!

Matt Lee at Citywide (NMLS #244839)

CO - 100009531, KS - LO.0056031



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.

Luke Kunselman is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Luke 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 Luke at (303) 285-1635 for more information!

Luke Kunselman at Citywide (NMLS #239963)

AL - 2656654, AR - 2656654, AZ - LO-2007822, MO - 2656654, NC - I-227879, CA - CA-DFPI2656654, CO - 100543441, NV - NMLO-125677, OH - MLO-OH.2656654, OK - MLO37973, FL - LO134345, OR - Licensed, PA - 117378, GA - 2656654, TN - 2656654, IN - 70098, VA - MLO-73378VA, KS - LO.0054277, KY - MC929561, MD - 2656654, MI - 2656654, MN - MN-MLO-2656654



As a Mortgage Specialist 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.

Mortgage Specialist

Santiago Jimenez is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Santiago 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 Santiago at (215) 278-8208 for more information!

Santiago Jimenez at Citywide (NMLS #2656654)

FL - LO139065, MI - 500598  
As a Mortgage 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. Persoannly licensed in MI and FL currently and at Citywide we have many options for many other states.

Dan Stoudt is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Dan 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 Dan at (231) 241-1271 for more information!

Dan Stoudt at Citywide (NMLS #500598)

TX - Licensed



As a Licensed Loan Processor 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.

Licensed Loan Processor

Vanessa Estoque is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Vanessa 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 Vanessa at (713) 454-7807 for more information!

Vanessa Estoque at Citywide (NMLS #1448256)

IN - 71877



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.

Lou Schaefer is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Lou 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 Lou at (561) 316-9431 for more information!

Lou Schaefer at Citywide (NMLS #148226)

NV - NMLO-128907



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.

Andy Turner is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Andy 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 Andy at (303) 335-1961 for more information!

Andy Turner at Citywide (NMLS #380965)

OH - MLO.043370.001, IN - 73565



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.

Drew Huber is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Drew 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 Drew at (614) 986-0173 for more information!

Drew Huber at Citywide (NMLS #1097004)

PA - 73910, UT - 10097383  
With nearly three decades of experience in the mortgage industry, Donna Gresko brings a level of insight and reliability that is hard to match. Her background includes roles in processing, underwriting, sales management, and even a successful career as a licensed Realtor. This well-rounded experience gives her a complete understanding of the lending process and how to support clients every step of the way.


Donna specializes in purchases, cash-out refinances, and rate-and-term refinances. She is especially familiar with the Bucks, Montgomery, and Chester County markets and provides expert guidance to both first-time buyers and seasoned investors. Her product knowledge covers everything from traditional loans to more complex options such as DSCR, mixed-use, and fix-and-flip financing.


Clients often thank Donna for being available, responsive, and knowledgeable. She is known for always answering the phone and having the answers they need. Donna treats every client like family and is committed to making each transaction smooth, transparent, and successful.

Donna Gresko is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Donna 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 Donna at (215) 977-4997 for more information!

Donna Gresko at Citywide (NMLS #170372)

AZ - LO-0948176, NC - I-227115, CO - 100528554, NV - 73379, PA - 114217, VA - MLO-75970VA



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.

Doug Hills is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Doug 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 Doug at (919) 701-5947 for more information!

Doug Hills at Citywide (NMLS #1077587)

AR - 17725, CO - 100018626, FL - LO139750, OH - MLO-OH.177252, TX - Licensed, VA - MLO-77560VA, KS - LO.0037863, KY - MC930278, WA - MLO-177252, MO - 177252


I am married and live in Colorado Springs, Colorado. I have been working in the mortgage industry for over 25 years (much longer than I want to admit!). Most lenders set up their business models to handle as many clients as possible. This means using an assembly line approach with several points of contact, so everyone involved spends as little time as possible on each file. This is the most efficient process for the ***lender*** because it maximizes production and profit. My business model, however, is designed to benefit ***borrowers***. I am the only point of contact from start to finish. I do not use any assistants or other team members – it is just me. This allows me to walk your file through the entire process and handle any issues while providing excellent communication. Another advantage I offer is 24/7 access by text, phone, or email because real estate transactions do not always happen Monday through Friday, 8am to 5pm. In my opinion, my process provides the best experience for the borrower, and I believe you will agree after giving it a try.

Brian Enloe is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Brian 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 Brian at (303) 567-6065 for more information!

Brian Enloe at Citywide (NMLS #177252)

NV - NMLO-1200794  
Crystal Johnson is a dual-licensed real estate agent and mortgage loan officer serving both Southern and Northern Nevada. She specializes in government-backed loans, conventional financing, down payment assistance programs, and is especially passionate about helping first-time homebuyers navigate the process with clarity and confidence.


Known for her straight-talk approach, Crystal makes home loans make sense. She explains every step in plain language, helping clients fully understand their options without jargon or pressure. Her approach is rooted in education, communication, and advocacy—ensuring clients always feel informed and supported.


Crystal is driven, efficient, and solutions-focused. Whether it's resolving documentation issues, finding the right product, or helping clients meet tight deadlines, she stays proactive and keeps the process moving forward. Her clients often say they appreciate how she doesn't just point out roadblocks—she offers real answers and a plan of action.


Crystal believes that no matter your background, experience, or budget, you deserve smart, personalized lending solutions—and a loan officer who truly has your back.

Crystal Johnson is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Crystal 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 Crystal at (702) 963-0561 for more information!

Crystal Johnson at Citywide (NMLS #1183968)

FL - LO139062



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.

Jerry Godec is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jerry 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 Jerry at (702) 623-9382 for more information!

Jerry Godec at Citywide (NMLS #214792)

AZ - LO-2013163, OH - MLO.048728.000, FL - LO32984, GA - 18143, VA - MLO-26242VA, MD - 18143  
As a Producing Branch 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.


*This individual is unlicensed in the State of Georgia, has submitted a license application to the Georgia Department of Banking and Finance, and the Department may grant or deny this individual's license application.*

John S Butts is your Sandy local lender. As a loan officer at Citywide Home Mortgage, John 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 John at (904) 760-5805 for more information!

John S Butts at Citywide (NMLS #18143)

AZ - LO-2011962, CA - CA-DFPI2641955, NV - NMLO-135318, MI - 2641955



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.

Damion Back is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Damion 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 Damion at (480) 214-8889 for more information!

Damion Back at Citywide (NMLS #2641955)

NV - 57625



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.

Mathew Anderson is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Mathew 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 Mathew at (775) 460-4009 for more information!

Mathew Anderson at Citywide (NMLS #1512701)

CA - CA-DFPI1827784, CO - 100514352, FL - LO139872, IL - 031.0089367, TX - Licensed, UT - 14257225



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.

Mitchel Hunsaker is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Mitchel 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 Mitchel at (303) 915-3454 for more information!

Mitchel Hunsaker at Citywide (NMLS #1827784)

AR - 110670, MO - 1584425, OK - MLO39822  
Kayla Moore is a Loan Officer serving homebuyers across Arkansas, with a strong focus on veterans and first-time homebuyers. With nearly a decade of experience as a Mortgage Advisor, along with two years as an insurance agent and a bachelor's degree in Finance, Kayla brings both knowledge and practical experience to every client relationship.


As an Army spouse and Certified Veteran Mortgage Advisor, Kayla understands the unique challenges and opportunities that come with military life and VA financing. She is especially passionate about serving veterans, helping them fully utilize their benefits and navigate the home loan process with confidence.


Kayla is known for her commitment to helping clients build from the ground up. Whether it involves improving credit, strengthening financial profiles, or mapping out a clear path to qualification, she takes pride in helping buyers position themselves for long-term success. Her approach is strategic, patient, and focused on education so clients feel informed every step of the way.


Clients often say they appreciate her accessibility and ongoing support. Kayla remains available to answer questions even after closing, believing that her role as a trusted resource does not end when the transaction is complete. For her, mortgage lending is not just about closing loans. It is about building lasting relationships and helping families create a strong financial foundation for the future.

Kayla Moore is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Kayla 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 Kayla at (479) 935-1112 for more information!

Kayla Moore at Citywide (NMLS #1584425)

AZ - LO-2016383, CA - CA-DFPI2732969, NV - NMLO-164655, FL - TAO



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.

Jake Todey is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jake 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 Jake at (805) 372-2684 for more information!

Jake Todey at Citywide (NMLS #2732969)

MO - 1271884, CO - 100540336, TX - Licensed, KS - LO.0053391



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.

Jen Ammerman is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jen 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 Jen at (970) 672-4307 for more information!

Jen Ammerman at Citywide (NMLS #1271884)

AL - 85224, NC - I-216793, OH - MLO-OH.2234459, FL - LO99025, TN - 2234459, TX - Licensed  
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.

Jonny Graver is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jonny 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 Jonny at (801) 563-2836 for more information!

Jonny Graver at Citywide (NMLS #2234459)

FL - LO100695



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.

Yoerika Marquez is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Yoerika 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 Yoerika at (813) 287-1751 for more information!

Yoerika Marquez at Citywide (NMLS #1916508)

FL - LO127368  
Jasmin Abadi did not ease her way into the mortgage industry. She jumped in at 19 years old and started where most people never go, in processing, learning the back-end of every loan from approval to closing before she ever sat across from a borrower. That foundation gave her something most loan officers simply do not have: a complete picture of what it actually takes to get a deal done, and the ability to see potential problems before they become real ones.


Now a Loan Officer at Citywide Home Mortgage serving clients across all of Florida, Jasmin has helped over 400 clients achieve their home financing goals throughout her career, working with everyone from first-time homebuyers taking their very first step toward ownership to seasoned investors growing their portfolios. What sets her apart is a commitment to honesty that her clients feel from the very first conversation. She believes in setting realistic expectations around both process and cost from the start, because in her experience, a well-informed client is a confident client and confident clients close.


Her clients describe her as professional, knowledgeable, and thorough, and those are not words that happen by accident. They are the result of someone who has spent years investing in herself as much as she invests in the people she serves. Outside of work Jasmin is passionate about personal development and fitness, always pushing to be sharper, stronger, and better. She brings that same drive to every client she works with.

Jasmin Abadi is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Jasmin 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 Jasmin at (305) 847-9265 for more information!

Jasmin Abadi at Citywide (NMLS #2465559)

FL - LO10128



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.

Rose Rios is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Rose 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 Rose at (773) 516-6443 for more information!

Rose Rios at Citywide (NMLS #370363)

CO - 100508297



As a Branch 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.

Ricardo Saucedo is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Ricardo 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 Ricardo at (303) 285-1619 for more information!

Ricardo Saucedo at Citywide (NMLS #1590353)

FL - LO95410



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.

Cassie Webb is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Cassie 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 Cassie at (352) 448-5008 for more information!

Cassie Webb at Citywide (NMLS #2155843)

FL - LO51262



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.

Patrick Williams is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Patrick 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 Patrick at (407) 550-0412 for more information!

Patrick Williams at Citywide (NMLS #1119123)

CO - 100520127



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.

Alexis Meza is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Alexis 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 Alexis at (303) 301-6971 for more information!

Alexis Meza at Citywide (NMLS #1908889)

CA - CA-DFPI2594361, FL - LO143763, TX - Licensed, ME - 2594361, MN - MN-MLO-2594361



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.

Radmir Khodjakhanov is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Radmir 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 Radmir at (516) 654-1602 for more information!

Radmir Khodjakhanov at Citywide (NMLS #2594361)

TX - Licensed



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.

Daniel Dennis is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Daniel 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 Daniel at (940) 398-0003 for more information!

Daniel Dennis at Citywide (NMLS #2297965)

NC - I-230613, FL - LO138417, TN - 1334857, IL - 031.0091190



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.

Sharon Infanti is your Sandy local lender. As a loan officer at Citywide Home Mortgage, Sharon 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 Sharon at (407) 984-4099 for more information!

Sharon Infanti at Citywide (NMLS #1334857)

Sandy

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45 Loan Officers Sandy, UT