Terms of use

Welcome to citywidehm.com. Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage (“Citywide Home Lending”), provides the use of this website subject to the following terms and conditions, known as “Terms of Use.” Clicking onto webpages beyond the site’s homepage indicates your acceptance and agreement of these Terms of Use. Please read them carefully.


Please review our Privacy Policy, which also governs your use/visit to this website.  

Electronic Communications  

When you visit citywidehm.com or send emails to us, you are communicating with Citywide Home Mortgage electronically and you consent to receive communications from Citywide Home Mortgage electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.  

Please note that while you may unsubscribe from email marketing communications at any time, if you provide us with your email address after unsubscribing, you agree to opt-in to future email marketing communications. You will be required to unsubscribe again to cease email marketing communications. 


Citywide Home Mortgage’s trademarks and trade dress may only be used with the express written consent of Citywide Home Mortgage and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Citywide Home Mortgage or any of its affiliates. All other trademarks not owned by Citywide Home Mortgage or its affiliates that appear on this website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Citywide Home Mortgage or its affiliates.  

License and site access  

Citywide Home Mortgage grants you a limited license to access and make personal use of this website and not to download (other than page caching) or to modify any portion of it, except with express written consent of Citywide Home Mortgage. This license does not include any resale or commercial use of this website or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this website or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this website may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without express written consent of Citywide Home Mortgage. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of Citywide Home Mortgage without the express written consent from Citywide Home Mortgage. You may not use any meta tags or any other “hidden text” utilizing Citywide Home Mortgage’s name or trademarks without the express written consent of Citywide Home Mortgage. Any unauthorized use shall automatically terminate any permission or license granted herein by Citywide Home Mortgage. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Citywide Home Mortgage so long as the link does not portray Citywide Home Mortgage or its products or services in a false, misleading, derogatory or otherwise offensive matter. You may not use any Citywide Home Mortgage logo or other proprietary graphic or trademark as part of the link without express written permission.  

Your Feedback to Citywide Home Mortgage

You assign all rights, title and interest in any feedback, comments, suggestions or other innovations regarding the website or services (“Feedback”) to Citywide Home Mortgage.  If for any reason such assignment is ineffective, you agree to grant Citywide Home Mortgage a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, sub-license, distribute, modify and exploit such Feedback without restriction. 

Your membership account  

If you use this website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with the consent and involvement of a parent or guardian. Citywide Home Mortgage reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders in its sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact the following:  

Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage  
3940 N. Ravenswood  
Chicago, IL 60613  

Citywide Home Mortgage may deny access to any user for any reason and in Citywide Home Mortgage’s sole discretion.  

Reviews, comments, emails and other content  

Visitors may post reviews, comments and other content, and submit suggestions, ideas, comments, questions or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false email address, impersonate any person or entity or otherwise mislead as to the origin of a post, comment or other content Citywide Home Mortgage reserves the right (but not the obligation) to remove or edit such content but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise in writing, you grant Citywide Home Mortgage and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content throughout the world in any media. You grant Citywide Home Mortgage and its affiliates the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Citywide Home Mortgage and/or its officers, employees, agents and successors and assigns for any and all claims resulting from content you supply. Citywide Home Mortgage has the right but not the obligation to monitor and edit or remove any activity or content. Citywide Home Mortgage takes no responsibility and assumes no liability for any content posted by you or any third party.  

Product and service descriptions  

Citywide Home Mortgage attempts to be as accurate as possible. However, the information contained in this website is for general information purposes only and Citywide Home Mortgage does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free. Citywide Home Mortgage shall not be liable for any errors or omissions on the website.  

Website Ownership  

This website is owned and operated by Guaranteed Rate, Inc. d/b/a Citywide Home Mortgage

3940 North Ravenswood, Chicago, IL 60613  


These Terms of Use were last updated 11/7/2022. Please check periodically for changes. 


We offer no guarantees in terms of processing time for any particular loan, application or other information or service. Though we will make every effort to ensure that information is processed as quickly as possible, in order to ensure that information is processed correctly and in light of the fact that there may be circumstances beyond our control which prevents the timely processing of information, applications, etc., the user agrees to indemnify and hold harmless Citywide Home Mortgage and its affiliates for any delays in processing information submitted and processed through the website, and/or other damages allegedly related to submission of information to and/or through the website.


The website may require the submission of certain fees for services necessary for the completion and processing of a loan or the completion of other services through the website. Use of the website is strictly subject to payment of certain fees. To the extent applicable, all payments shall be made in US dollars by credit card and are non-refundable. All fees submitted are final upon payment. Payments are due in full upon account activation, with future renewal dates and use of portions of the services subject to additional charges. Services will not be activated until payment is received. All payments made are final and there shall be no refunds of payments made by you.  


Intellectual Property  

All information and content available on the website and its “look and feel”, including but not limited to trademarks, logos, and service marks, text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and organization thereof (collectively, the “Content”) is the property of Citywide Home Mortgage, or its affiliates, partners or licensors, and is protected by United States and international laws, including laws governing copyrights and trademarks.  

Except as set forth in the limited licenses in this Terms of Use, or as required under applicable law, neither the Content nor any portion of the website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.  

You shall have no right to use the technology of Citywide Home Mortgage or any of its affiliates for any purpose other than accessing the website and using the services offered. Use of the website does not transfer from Citywide Home Mortgage to you any Citywide Home Mortgage technology, and all rights, titles and interests in and to such technology and all services shall remain solely with Citywide Home Mortgage. You shall not, directly or indirectly, reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from any Citywide Home Mortgage technology.  

DMCA Notice and DMCA Procedure for Copyright Infringement Claims

You may submit a notification pursuant to the Digital Millennium Copy Right Act (“DMCA”) or other notification concerning a copyright infringement claim by providing our Copyright Agent with the following information in writing (see 17 U.S.C. 512(c)(3) for further detail):  

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright’s interest.  
  • A description of the copyrighted work that You claim has been infringed, including the URL (i.e. web page address) of the location where the copyrighted work exists or a copy of the copyrighted work.   
  • Identification of the URL or other specific location on the Service where the material You claim is infringing is located.  
  • Your address, telephone number, and email address.  
  • A statement by You that You have a good faith belief that the disputed use is not authorized by the copyright owners, its agent, or the law. 
  •  A statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright owner or authorized to act on the copyright owners’ behalf.  

You can contact our Copyright Agent at:  

Guaranteed Rate, Inc.  
Attn: General Counsel (Citywide Home Mortgage)  
3940 N. Ravenswood Avenue  
Chicago, IL 60613  
[email protected]   

Upon receipt of a notification, the Company will take whatever action, in its sole discretion, it deems appropriate including the removal of the challenged content from the website.  

Third Party Links  

Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites or may display information on your computer screen from other web sites, which are not maintained by Citywide Home Mortgage. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.  



To the maximum extent permitted by applicable law, in no event will Citywide Home Mortgage or any of its affiliates be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if Citywide Home Mortgage is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless Citywide Home Mortgage for any and all damages and losses as described above relating to your use of the website.  

Consent to Electronic Delivery  

You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you are able to use the website to retain these communications by printing and/or downloading and saving these Terms of Use and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided via Citywide Home Mortgage as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:  

Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage 
3940 N. Ravenswood  
Chicago, IL 60613  

Applicable law 

By visiting citywidehm.com, you agree that the laws of the State of Illinois, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Citywide Home Mortgage and/or its subsidiaries and affiliates. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Cook County, Illinois, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.  


Any controversy or claim arising out of or relating to this Terms of Use, your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.  

Any dispute between the parties must be submitted to binding arbitration administered by the AAA to take place in Chicago, Illinois, before one arbitrator in accordance with the AAA Rules. In the event you institute such arbitration, then, without limiting the applicability of the AAA rules, the arbitrator will be obligated to award the prevailing party of any such proceedings all reasonable costs, attorneys’ fees and other expenses incurred by such prevailing party in the arbitration proceedings. Any award entered by the arbitrator may be enforced in any court of competent jurisdiction. All arbitrations will take place in Chicago, Illinois. You hereby waive any right to consolidate, join or combine any arbitration brought with any other matter pending in court or other arbitration proceeding.  

You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity.  

Regardless of any statute or law to the contrary, any claim or cause of action against Citywide Home Mortgage or any of its affiliates arising out of or related to use of your use of the website or under this Terms of Use must be filed within one (1) year after such claim or cause of action arose or will be barred.  

Entire Agreement  

This Terms of Use constitutes the entire agreement between you and Citywide Home Mortgage governing your use of the website and supersedes any prior and contemporaneous agreements between you and Citywide Home Mortgage with respect to the subject matter above.


You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of the Citywide Home Mortgage website, and supersede and govern all prior proposals, agreements, or other communications.  

Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and Citywide Home Mortgage. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.  

Electronic Agreement  

You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through Citywide Home Mortgage’s websites and applications and via email (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at (844) 615-2955. You should also keep us informed of any change in your e-mail or mailing address by contacting us at (844) 615-2955.  

By agreeing to these Terms of Use you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware.  

By continuing, you electronically agree to allow Citywide Home Mortgage to view your credit history.  

If you have any questions regarding the Terms of Use please contact us at:  

Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage  
3940 N. Ravenswood  
Chicago, IL 60613  


The information contained in this website is for general information purposes only. It is believed to be reliable, but Citywide Home Mortgage does not warrant its completeness, timeliness or accuracy. To the fullest extent permissible under applicable law, Citywide Home Mortgage disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will Citywide Home Mortgage or any of its affiliates be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.  

If you have been referred from another website (including but not limited to any social media site), the information contained in the referring website is for general information purposes only. The information contained there has not been reviewed or approved by Citywide Home Mortgage and is provided solely and exclusive by the site’s author. Citywide Home Mortgage makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Through the referring website you may be able to link to other websites which are not under the control of Citywide Home Mortgage. Citywide Home Mortgage has no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.  

You acknowledge and agree that Citywide Home Mortgage is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, Citywide Home Mortgage expressly disclaims all warranties of any kind, whether express or implied, including, not limited to the implied warrant of merchantability and fitness for a particular purpose.  


Questions regarding our Terms of Use, Privacy Policy or other policy related material can be directed to our support staff by emailing us at [email protected]