About Val Amancio
CO - 100542217 Buying or refinancing a home is a major financial decision, and you deserve a mortgage experience built around your unique goals—not a one-size-fits-all approach. For me, homeownership is also deeply personal. As the first person in my family to purchase a home, I experienced firsthand the pride, stability, and opportunity that come with having a place to call your own. As a mother, real estate has allowed me to create a strong foundation for my children while teaching them the importance of investing and building generational wealth. That experience is at the heart of how I serve my clients today. As a bilingual Mortgage Loan Officer with Citywide Home Mortgage, I help first-time and experienced homebuyers, homeowners, and real estate investors understand their financing options and move forward with confidence. Whether you are purchasing your first home, moving into your next one, exploring down-payment assistance, investing in real estate, or refinancing your current mortgage, my team and I will guide you through every step. My approach is centered on honest communication, personalized solutions, and dependable service. I take the time to understand your priorities, explain the numbers clearly, and help you choose a financing strategy that supports both your immediate needs and long-term goals. Homeownership is about more than purchasing a property. It can mean creating stability, making memories, growing your investment portfolio, or building a financial legacy. Whatever it means to you, I would be honored to help you take the next step. **Se habla español**
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.
Your monthly payment would be
$ 0.00
*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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc.. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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 12001 Tejon Street Unit 128 Office C, Westminster CO, 80234