Find a Loan Officer

City First Mortgage

Your Home, Your Future.

A local loan officer explains your options in clear, everyday language and stays with you through closing.

Find My Best LoanFind a Loan OfficerContact Us
A family of four standing on the front walk of a gray two-story house.
  • Pre-approval in as little as a day, typically
  • A person you can call, from start to finish
  • Clear language before you sign

Where Are You in Your Story?

Start with the path that sounds like you. A loan officer can still change course with you later.

Swipe sideways to see each path.

Find a Loan Officer

A Simple, Transparent Path.

Three steps. You can see what happens, what we need from you, and about how long it takes. Timing varies. Nothing here is a promise.

The front of a white house with a green door, stone entry, and a curved walkway.

  1. Step 1

    Pre-Approval

    What Happens
    We look at your income, your savings, and your credit before you have a contract on a home.
    What We Need From You
    A photo ID, recent pay stubs or other income records, and the name of the bank that holds your down payment.
    Typical Timing
    Many people hear back in about a day once those records are in. It can take longer.

  2. Step 2

    Underwriting

    What Happens
    A second review checks the home, the appraisal, and the documents in your file.
    What We Need From You
    Answers to questions that come up, and documents that match what you already shared.
    Typical Timing
    This step often takes one to three weeks. Extra questions can add time.

  3. Step 3

    Closing

    What Happens
    You review the final numbers, sign the papers, and pay the costs that are due that day.
    What We Need From You
    A photo ID and the funds listed on your closing statement.
    Typical Timing
    A purchase often closes about 30 to 45 days after a contract. A refinance can be different.

See a Payment Take Shape.

Enter your own numbers. The large figure is principal and interest only. It updates as you type.

Open the Full Calculator

Estimated Principal and Interest

This is an estimate based on the numbers you enter. It is not a full monthly payment, a rate quote, or a loan offer. Taxes, insurance, and other costs can add to what you pay.

Payment Illustration

10% of the home price

Not Sure Which Loan Fits?

A short set of questions points you toward programs that may fit. A loan officer still looks at your full picture before anyone talks about a loan.

Find My Best Loan

  1. Question 1

    What Are You Hoping to Do?

  2. Question 2

    When Do You Want to Do It?

  3. Question 3

    Will You Live in the Home?

A Company You Can Look Up.

City First is a division of Gold Star Mortgage Financial Group, NMLS #3446.

  • 47

    States Licensed

    Gold Star Mortgage Financial Group is licensed in 47 states.

A Few Answers Before You Call.

Short reads you can finish before a conversation.

Visit the Library

Clear Language, From the First Call to Closing

Let's Find Your Home Loan

Talk with a City First loan officer. If you are not sure who that should be, start with the directory.

Find a Loan OfficerFind Loan Match Call 1-800-201-LOAN (5626)