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Get Cash Back on your

Home Purchase

Get Cash Back on your Home Purchase

Save $3,000-$15,000 or more on your home when you buy and finance with CityWorth!

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Buy A Home... Get Cash Back

Buying a home shouldn't be expensive. When you buy and finance a home with CityWorth, you could get $3,000-$15,000 or more back to use towards closing.

See how easy it is to save:

1. Get matched with your personalized CityWorth team

2. Buy your dream home

3. Receive up to 1% of your home's sales price back

Get the full home buying experience plus thousands back!

CityWorth Mortgage, LLC is licensed to operate in Alabama, Arkansas, Florida, Georgia, Indiana, Maryland, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.

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How It Works

You may be wondering... how in the world can CityWorth save me so much money? Great question.

When you buy and finance your home with CityWorth, the whole process is taken care of from one place. Our efficiency not only makes the process smoother for you, but it allows us to reduce our costs as well. And we want to pass the savings back to you.

You get an easier and more affordable way to buy a home.

Start Saving

Experience the Difference

Get Cash Back

Receive thousands of dollars back for you to use towards your closing costs.

Enjoy Low Rates

We have some of the lowest rates in the country, helping you save thousands in interest.

Close Faster

Our home buying process is streamlined, meaning you can close much quicker.

Buy Online

Skip the inconvenience of in-person meetings. Most of our work is done online or over the phone.

Our Clients Love Our Service, Pricing

& Efficiency!

"Great work, was a pleasure to work with CityWorth. They go over and beyond to make sure things get done and will stay with you till the end. Highly recommend!!"

- R. George

"CityWorth Loans went above and beyond to get the Refinance Loan I wanted. They worked with me to get the Rate and Terms that I was looking for."

- James C.

Take Advantage Of Your Savings

Get Cash Back

Frequently Asked Questions

Am I ready to buy a home?

While this decision is ultimately up to you, there are a few indicators that show you may be ready to buy. Some of the things you should have in preparation for a mortgage approval include a good credit score, steady employment history, proof of income, money for a down payment and closing costs, and a low debt-to-income ratio (DTI).

How much do I need for a down payment?

A down payment is the amount of money you put towards the sales price of a home. It reduces the amount of money you will have to borrow and it is typically expressed as a percentage of the price. Down payments vary based on the loan type, the mortgage lender, and your finances. With conventional loans, you can put as little as 3% down. Some loan programs, such as VA loans, don’t require a down payment.

Should I use a Realtor?

Realtors are trained to help people buy and sell homes. They provide up-to-date information on current market conditions, home and neighborhood data, and real estate protocol. Additionally, they have access to thousands of available properties and are highly skilled in contract negotiation. They help coordinate every aspect of the transaction so you can have a smooth experience.

What is PMI?

Private mortgage insurance (PMI) is a type of insurance that protects the lender in case you default on your loan and your home goes into foreclosure. Most lenders will require you to take out PMI if your down payment is less than 20% of the home’s sales price. PMI is typically 0.5%-1% of the mortgage annually and is included in your monthly payment. Once you have paid off enough of your mortgage’s principal, PMI may be removed.

Can I buy with poor credit?

Your credit impacts your eligibility to be approved for a mortgage. While some lenders may work with lower credit scores, it is recommended to raise it as much as possible. A higher credit score will not only improve your eligibility but it also increases the amount you can borrow and qualifies you for a lower interest rate.

What does a monthly mortgage payment cover?

Your monthly mortgage payment is comprised of four main factors—principal, interest, taxes, and insurance (homeowner’s and PMI). Another factor that can contribute to your monthly payment is your HOA fee if you have one. These factors calculate how much your monthly mortgage payment will be. Be mindful of other monthly expenses that are not included in your monthly mortgage payment such as utilities and maintenance.