Report: Why Now Is A Great Time To Buy

Not listening I just read an informative report on why NOW is a great time to buy a home. I’ve never seen anything more comprehensive or convincing. It starts out:

OK. You Win. Stop Listening to Real Estate Agents!

Buyers often believe that agents are ALWAYS arguing that NOW is the time to buy. For that reason, purchasers question this advice. We want to report on what some members of the investment community are saying.

To read the rest of this article, go to: http://www.keepingcurrentmatters.com/pdf/TimetoBuy.pdf

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Success! Thanks so much for your help in sorting this out, your company is always so responsive and easy to work with. I greatly appreciate your team! Have a great afternoon

--Erica

Erica Mizell - Salt Lake City, UT

My husband and I were very pleased with the level of customer service and attention we received from Josh and his team. We were not sure we were in a place financially to qualify for a home, but he allayed our worries and got the ball rolling. From the first day we contacted him, purely out of curiosity and and an annoyance with rent, he was on our side.

It took us about six months to get our credit score…

Sara Darling - Midvale, UT

My experience with Josh Mettle and his team was incredible! I can't imagine anyone who could work as hard as they did. Josh did everything he could to help me qualify and he did! He was also able to get me the most amazing interest rate I've heard of. My friends and family are jealous!

The communication was so easy. Through email, fax, and phone calls, I was always able to reach someone on the team and I only…

Kimberly Lyles - Cottonwood Heights UT

Citywide Home Loans is a terrific company with wonderful people. Josh and his team members went above and beyond any and all expectations we had for our loan process. They were upfront, professional and experienced in every facet of their business, and helped us understand what was happening and win in the process. It is my pleasure to write this letter and I hope each member of the team understands that they made a difference.

JD Barnes - Draper UT

I have had a wonderful experience working with you and Josh and the rest of the team. I have complicated finances and all of you worked very hard, in this difficult market to help me be able to close on a house. I had tons of questions along the way and they were all answered quickly and in great detail. I never felt like I was calling to much. At…

Tara Baird - Salt Lake City, UT

Thank you so much for all you have done to get us into our dream home. Both you and David did an excellent job of keeping us informed and comfortable with all of the financial information. We truly appreciate all of your hard work.

Matt & Michele Brinkerhoff

Lot 221 Valle di Villa – Ivory Homes

Matt & Michele Brinkerhoff - Draper, UT

Working with Josh was great! He was always very nice, no matter how many questions I had, and was always VERY prompt at returning phone calls and emails! After experience with someone who was trying to rip us off, it was nice working with someone who knew what they were doing and getting us a great deal! I have already told people I know to use him! And we will also use him in the future!

Brad & Hope Nordberg - Riverton, UT

Thanks SO much Josh. We really enjoyed working with you and your team and were very impressed with our experience. Michelle at Bonneville Superior Title (and our realtor) had a lot of good things to say about David and they were both very impressed as well. Thanks for all your hard work. We’re so happy we used your services and we’re very excited to get the keys on Monday!

Angie & Jacob Rice - West Jordan, UT

I would like to start off telling Josh and his team at CityWide thank you what you and your team did for us.

The experience that we had was great. They were fast and made it easy for me because just to let you know we were fighting with our old mortgage company for the last 2 plus years to just get it modified and it never went through. So thank you again.

Jerry & Shelly Daugherty - Salt Lake City, UT

I was impressed with the professionalisim of Josh and his team. You were very easy to get hold of, communication was excellent, and you did all you could to work with me in getting my loan approved and proccessed. You never seemed to busy to help me with questions or problems. Thank you for your efforts. I would choose Josh and his team again the next time I have a need for a refinance or a new home loan.

…

Karma Cluff - Smithfield, UT

I have just finished refinancing my home through Josh Mettle. I was referred to him through an old client of his. I am so glad that I followed through with the referral. Josh and his whole refinance team where great. The timing from contacting Josh and funding was so smooth and FAST. Josh and his team were there to answer any little question I had. And trust me I am full of them. Josh is very informative and sends you…

Matt Eckman & Cassie Yocom - Taylorsville, UT

Thank you! Thank you, including everyone on your team for making things get done so fast. Couldn't ask for a better person for the right Job! You're the man Josh!

Brad Winchester - Salt Lake City, UT

I do appreciate you taking the time to inquire on the service my husband and I received during the refinance on our home loan. I really enjoyed working with Josh he was so nice to answer all of my questions and I especially liked how quickly he responded to them. I would definitely work with him again on any mortgagee endeavors we decided to do in the future.

Everything seemed to work out great for us and without any…

Katy Bangerter - Taylorsville, UT

Josh made the loan possible and I can't believe how easy he made the process! I will definitely recommend him and his team to anyone who's in the market. My Realtor Jon was awesome! He was patient and honest

Karen Tao - Sandy, UT

Donna McDaniel

Donna McDaniel Testimonial - Salt Lake City, UT

I promise to refer any of my friends who are looking for a home to you guys! You guys were seriously great and super quick so thank-you so so much!!! :)

Dr. Daniel & Amber Patty - Draper, UT

Josh,

I just wanted to take a moment and tell you how much I appreciate what you and your team have done for me. David Nelson was a stud! He is a Rockstar. I really appreciate the hard work that everyone did on my behalf, and your patience with me. I definitely know where my friends and I are going for our future financing needs.

Thanks again!

Cameron Janke

Cameron Janke - Salt Lake City, UT

David, Josh, and Team,

We again had a wonderful experience with Josh. We offer his name anytime we hear mention of someone buying a house. Josh and his team were always a step ahead of the game and a calm sane voice throughout the process. Josh seems to know all of the options and what is required. He walked us through the whole process and was in contact throughout always making himself available to answer questions and explore all the…

John Erdmann - Holladay, UT

This is the third loan we have closed with Josh, and per usual, we have been favorably impressed with the professionalism, timeliness, and exceptional knowledge of your team. When we first informed Josh of our intention to buy another home, he was proactive with what information he needed as well as having kept complete records, utilized those to streamline the process and minimize the hassle for us. Next Josh notified us as rates moved around, and the day they dropped…

Stephen Thompson - American Fork, UT

Words cannot describe how appreciative I am of all that Josh and his team have done for me and my family! I have worked with Josh on multiple refinances as well as a new mortgage over the last 7 years and he has always taken the time needed with me to make sure things are done correctly and that I'm pleased with the outcome. Even in my hardest times of life, Josh helped to coach me and provide guidance to improve my situation to…

Lisa Frigm - Herriman, UT

Josh Mettle was the 4th lender/broker we contacted in our search for a home. We'd had terrible experiences with the others we'd worked with: uneducated staff, lack of follow ups, and just an overall lack of desire to help us. With such a crazy market and economy, it was difficult to find someone we can trust. since we'd been mistreated already, we were nervous to even call anyone else.

When we called Josh we told him…

Josh & Brittany Petersen - Riverton, UT

Our experience working with Josh and his team to get our first home loan was a great experience. It was easier than I had anticipated and there were no surprises. They let us know if anything came up or changes that had occurred to our loan. I felt like there kept me informed and updated on our loan throughout the entire process. It was a pleasure working with such a professional and friendly team. Thank you for all your help with purchasing our first home and we will definitely be…

Zach & Chelsea Geertsen - Riverton, UT

Our experience was incredible. From beginning to end things went so smoothly and professionally. The title company said that they could not believe that things went through so quickly. And couldn’t recall ever having a closing happen that smoothly. I have already referred one friend to Josh and will not hesitate to refer others.

Thanks!

Dan & Cate Adams - Salt Lake City, UT

I will definitely refer Josh to everyone I know, because I know we could never have gotten through the loan process without his help. Buying a home is incredibly stressful and difficult because of the responsibility the buyer is agreeing to take on, but Josh’s integrity helped us through the entire process from beginning to end. Thank you Josh! And thank you to all of those who worked so hard to help us qualify and receive a home loan—we are…

Kristen and Benjamin Smith - Salt Lake City, UT

I would say that my refinance experience with Josh was a positive one. It seemed that there were some "bumps" in my situation and Josh worked through them and we got it done. Thank you, both, for everything you did to get my home refinanced.

I don't know of anyone who I can refer to you at this point for business. But if I hear of anyone, I will give my referrals to you.

Thank you again.
Jerrilee Criddle - Sandy, UT

It is easy to write about Josh and my experience with Citywide Home Loans. When I first started contemplating buying Paige’s home I had literally no idea how to buy a house! I didn't know where to begin or who to call. I asked Paige who she had dealt with before and she had Josh's card available and I made the call! Josh was very friendly, caring, and answered my questions to my understanding. Believe me, I am a true…

Lynda Davies - Midvale, UT

We have always enjoyed working with Josh. Recently we referred our son to Josh for a refinance of his home. Obviously, we would not have done that if we were not pleased with what Josh has accomplished for us.

Jeff & Kathy Mickelsen - Herriman, UT

My Mortgage experience with Josh and his team:

First of all, I would like to thank Josh and his team for following through all of the hoops required to get my loan refinanced in these trying times.

I received a complete list of all of the items needed in order to complete the refinance.

I responded with all items on the list very quickly and received quick answers to any questions that I had.

I was always just an e-mail or…

Carole Street - Salt Lake City, UT

My name is Ken Nelson and I moved from Dallas to Salt Lake City in August of 2011 to start a new job.    Prior to August 2011 I had never stepped foot in the state of Utah.   I received Josh Mettle’s name through my real estate agent, Cindy Wood.    We were going to relocate to Utah and we were looking for our dream house. My family came up to visit during Thanksgiving week 2011.   We basically had one week to…

Ken & Angela Nelson - Draper UT

Skylar and Josh were so great to work with! We put them through a lot and yet they stuck it out with us. I appreciate all that they went through to get us into this home. I know Josh not only spent time on us but he spent his own money to get us into our home. I appreciate that and know that any other person would not do that. Thank you guys for all that you have done for…

Kalei Herbert - Eagle Mountain, UT

Josh and his team did a great job. It seemed surprisingly efficient for what is typically a very inefficient and frustrating process. I’ll recommend anyone I come across in the market for a mortgage.

Rick VanAlfen - Highland, UT

Josh came highly recommended by a friend so I had very high expectations for him. I felt at ease with Josh since the beginning because he first explained all of the details about the different loans and everything else that a buyer, a first time buyer in my case, should know. So I had a good background of information to begin with. After knowing my needs, he explained what the best type of loans was for me and explained the…

Martha Mandujano - Midvale, UT

   My experience with your company was great.  Every step along the way I like that I was able to ask questions and each person I worked with was more than happy to help me.  I felt that every step of the way there was a priority put on getting me into a home. I was also well informed every step of the process, and if there were issues with a few things I was also notified of this.  Some people may not appreciate being informed of hiccups that take…

Leola Brown - Taylorsville, UT

To whom it may concern,

We had a great experience with Josh Mettle and his team at Citywide. Josh was extremly thorough as he prepared us for our loan. He made sure we did all we needed to do with our finances in order to get our loan approved. His advice was extremly helpful throughout the entire process and due to his expertise, we were able to get out loan and close on our house when needed. We also felt very valued as he kept in…

Dr. Casey and Haley Bachison - Eden, Utah

First, my mortgage experience with Josh, you and CityWide was remarkable. I could not have asked for a better "finance team" to work with. Early on, Josh (or you) sent me a brief description of what the 4 week loan "process" was going to be like and it was right on. You guys were proactive and delivered what you promised. Thank you.

Secondly, Jake Breen and his team were also outstanding. I loved the "pit bull" mentality they had of aggressively pursuing the…

David & Diane Terry - Sandy, UT

Josh has always been very informative and clear about the lending process, including rates, loan packages and timelines. He always answered questions and returned phone calls in a timely manner and never seemed frustrated with us when we wanted to see a new Good Faith Estimate based on different rates or packages and would even send them over email after the work day was done. We felt confident that we were able to get the best loan available based on…

Kirsten and Vinay Tulsian - Salt Lake City, UT

I can sum up my experience with Josh and the City Wide Home Loan team in two words. Extreme Professionalism!!!

I was very pleased with the communication and services that the staff provided, Your team did exactly what you said and never under delivered on service, which is missing in a lot of today's business. I will definitely recommend your services to everyone I know that is needing home loan services and will also use you again if the occasion…

Justin Schiffman - West Jordan UT

Our experience with Josh and his team was very pleasant and surprisingly much less stressful than I expected. Josh was very professional and pleasant anytime we talked with him. Although he used the rest of his team to assist him he was always personally available for our needs and responded quickly if we could not get a hold of him the first time. I truly was surprised how smoothly things went especially since this was our first home purchase. Everyone…

Andrea McCloy - Draper, UT

Both Gary and I were very impressed with the way our mortgage was handled. Josh explained everything to us, it has been over 30 years since we had our last mortgage, so we had a lot of questions.

We appreciated the way you and Josh handled all of the paperwork for us, We also felt that Chantel Markel went out of her way to meet with us and help us in anyway possible. I would definitely send any referrals to…

Gary & Susan Friede - St. George, UT

We had a great experience with Josh and his team. At first the thought of buying a house was very overwhelming. Being a first time home buyer only added to that stress. Paul and I both agree that we couldn’t have found a better group of people to work with. You guys were very patient and answered the millions of questions I had. We are very thankful for all that you did for us. We couldn’t be happier with our…

Paul & Thania Burningham - Salt Lake City, UT

Our mortgage experience was great. We were kept informed of what was going on at all times – I really like that.

The whole process went very smoothly.   We will definitely recommend Citywide to our friends and family.

Jeff & Keena Ludwig - Sandy, UT

Thank you so much for all your help with our construction loan and our long term mortgage. You really know your job well and made us feel like we were your most important customers. We know we got the best rate because of your skills and knowledge. You are wonderful and we just wanted to say thanks for everything. We will definitely recommend you to our friends and family.

Jason and Keri Miner - American Fork, UT

My experience with Josh has always been a positive experience when dealing with refinancing. He has always made it as stress free as a refinance can be. He will always be the first one to be referred to my family & friends; I have the up most trust in Josh on his knowledge & advice. I wouldn't work with anyone else other than Josh.

Also thank you all so much for the smooth transition on my…

Shelly & Marc Anderson - Sandy, UT

Josh and his entire team went above and beyond what an average mortgage broker should do. I applied for a VA loan and understand the headaches which come forth while dealing with this agency. I had no problems thanks to the Mettle lending team. Thanks again for all you do!

Landen White - Riverton, UT

Josh,

Thank you so much for all that you have done for me, you have been the absolute best to work with. I am so thankful that you flowed into my life and blessed it with you absolute professional attitude, friendly persona, and the ease you made this whole process. After completing all the paperwork with the title agent, I came away from my closing table MORE impressed than when I went in. Thank you, Thank YOU, THANK YOU. I…

Janette Openshaw - Midvale, UT

I have to say that I could not be happier with my mortgage experience with Josh. He came highly recommended but I still shopped around for bids and Josh was not the lowest as far as origination fees but I chose him anyway because he said to me, 'I sell integrity and therefore I do not discount my points'. I liked that answer. From that point on everything was smooth sailing. Very little paperwork and very few documents were needed.…

Julie Martinez - Salt Lake City, UT

Thanks for all the help.

We enjoyed working with your team due to your prompt attention to our concerns and taking time to discuss the process with us. We also enjoyed working with Ryan as our realtor and were happy with everybody involved. We were at time frustrated with the process, but you all made things much easier to deal with and we appreciate everything you did.

We would be happy to send you any referrals we come…

Dr. Preston Daniel Ward - Salt Lake City, UT

Josh was great, Things went well. I have and will refer to him.

Toni Hawkins - Salt Lake City, UT

Thanks for all of your help through the process. You are a true professional and excellent at what you do.

Thanks also for slightly over-estimating our closing costs; you previously told us $5,606. We'll be happy to bring in less than have to find more money.

Thanks again

Dan & Lisa

Dan and Lisa Houtz - Sandy, Utah

To all Future Home Owners,

Working with Josh and David to obtain our recent mortgage was almost too good to be true. It was lots of work providing all of the documentation, but there was never a time when we could not get a question answered. All inquiries received prompt attention, and we always felt like Josh had time to talk with.

We mortgaged our first home in 1973 and have closed on several mortgages in years since…

Roger and Susan Rugg - South Jordan, UT

We were very pleased with the services offered by Josh Mettle and his mortgage team. Josh and his team are knowledgeable in the field and were always able to answer all of our questions, often responding by email within minutes. We loved how that he informed us of each detail of the process along the way. His customers know exactly what to expect all along the way. We were very impressed with the timely manner in which our loan was…

Joseph & Amy Lee - Highland UT

This was the second time I had the pleasure of working with Josh, and I certainly hope it will not be the last. No number or degree of superlatives could adequately describe his exceptional professionalism, can-do attitude, attention to detail, accessibility, and work ethic. Whenever even the slightest problem or issue arose, Josh simply did not rest until the problem was solved, and he usually solved it before I even had a chance to return his phone call. Josh is…

Greg S. Owens - Salt Lake City, UT

Doing business with Josh has been a pleasure. He has always been there for any questions that come up, and is always quick to return my calls. I have always felt he gives honest advice, and really knows his business. We enjoy his news letters he sends out too. He made this refinance very easy on my part. I will gladly refer my friends and family to Josh, as I have done in the past.

Stella Wordelman - Salt Lake City, UT

I want to thank Josh and his team especially David and Mandy for their excellent work and patience with us in getting our home loan. They worked hard and fast to get us in our home early and were always available to answer our questions during the process of buying our first home.

Thanks again for everything,
Eric

We don't have any referrals for you yet but we will be sure…

Eric Lauritzen - Salt Lake City, UT

My experience with Josh and company was AWESOME.

Merlin & Sherry Nicholes - Draper UT

Happy to share a few thoughts regarding our experience......

Having not been through the process of buying our own home we had no idea what to expect when it came to financing, particularly because ours was a new build. To our delight, not only were we satisfied with the financing package that was put together, but we also found Josh's team to be consummate professionals.

The entire process seemed to be streamlined eliminating unnecessary or redundant tasks, and communication was clear…

Paul Brabants - Accountant/Business Manager for US Speedskating - West Jordan UT

Working with Josh Mettle's team to refinance our house was a painless act that save us thousands over the life of our loan, plus we were able to take out a bunch of money for home improvements to add to the comfort of our life. We had issues that surfaced in the loan process because of my recent divorce, but they did most everything for me and delivered the loan as promised. I will never work with another loan team,…

Steve Denton - Salt Lake City, UT

Mortgage experience :

Team members were very professional in handling the loan application

Guidance was very good.

Paperwork flow was very easy and simple

Explanation of closing cost was easy understand

Request for additional paperwork was not too repetitive

Client was very well informed of the paperwork movement

Final closing process was very good.

Overall – excellent

Referrals :

Yes, I will recommend my friends. I will look out for you.

Thanks

Shan Ramasamy - Sandy UT

Josh,

The Terrys loved you. They said all future referrals of friends are you and me 100%.

Thanks man- Good Job-

Jake Breen MBA
Managing Broker, Sotheby's International

David and Diane Terry - Salt Lake City, UT

Our mortgage experience with Josh and his team was very easy and efficient. We were updated weekly with the progress of our loan and all of our paperwork was processed in a timely manner. We didn't have to worry about if stuff was getting done or not because Josh and his team made everything so easy and run smooth. If we have people that are planning to buy a house we will refer them to Josh because his attention to…

Geoff & Danelle Cox - Riverton UT