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My experience with Josh and company was AWESOME.

Merlin & Sherry Nicholes - Draper, UT

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

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

Dr. Tricia and Derek Twelves

Dr. Tricia and Derek Twelves - Riverton, Utah

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

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

Good day Josh , just wanted to thank you so much for all the work you put into helping us with our home. You did an Excellent job. We are all super excited. You made our dream a Reality.

Forever grateful,

Raul

Raul Escudero - Rialto, CA

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

The reasons we use Josh and his lending team abound. But the most straight forward answer is that we know he delivers. We tell him what we want to do, and he suggests the best route. No back and forth phone calls, no unexpected changes, no delays. I always tell people who are interested, ‘Call Josh, we tell him what we want, and it's done’.

I will always do anything I can to get him a new client.

Colby & Zoe Dyksman - Utah

The experience I had with Josh and his lending team was great. Mandy, David, and Josh all worked really hard to help out with all my questions, being as I was new to all this. They were prompt in replying to all my e-mails and were very knowledgeable. I would refer anyone I know needing a lending team to them. At this time I do not know anybody thinking about buying but I'm sure I will in the future. I will…

Lindsay Webber - 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

Working with Josh was wonderful. He is very considerate and he worked very hard on getting the best interest rate. I have been to Josh twice and I will go again when and if the time comes. It has been a pleasure working with team. As far as referrals I will honestly work on that.

Thank you for a job well done.

Lisa & Ardith Stephensen - Salt Lake City, 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

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

The level of service and knowledge provided by Josh Mettle, David Nelson and Jeanmarie Gonzales was very good. They were responsive to e-mails, phone calls and text messages. Their responsiveness was very good. The closing documents and explanations were very good. In today market where extensive documentation is required, the team was patient and worked hard to get over stumbling blocks and delays out of their control. I would recommend CHL because they closed my loan within about a month…

Norm Manoukian - Santa Clara, CA

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

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

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 had a great experience working with Josh! He was always very efficient with everything. Josh and his team did an excellent job making sure we had everything we needed to close. I am very pleased with the service we received from your company, and would highly recommend you to everyone!

Ty & Stef Dennison - Herriman, 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

Josh,

Thank you!!! This link is great to have!! You and your team have been great to work with, it made home buying a good experience. We will defiantly recommend you and Jenn!! You both are the BEST!!!

Thanks again,

Kam and Brittney

Kam and Brittney Sheffield - Riverton, Utah

We really enjoyed working with your team at CityWide. We had a simple, easy going process in purchasing our home. Your efforts and time were greatly appreciated and it was nice to be able to get a hold of someone immediately if not within just an hour or two. We appreciate your willingness to work with our schedules to the best of your abilities and expediting the paperwork process so we could sign our closing papers a day early. I know most companies we would be working…

Jen Christ and Eric Smith - Bountiful 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

“Excellent, excellent, excellent! Josh and each staff member that I had the pleasure of dealing with was professional, responsive and helpful. I had a few recommendations of mortgage brokers/bankers to consider. I thoroughly researched each option. Josh was able to provide the best rate and had a high level of professionalism. Phone calls and emails were returned promptly and questions answered right away. I felt as though I was in good hands through the whole process…and I was! The closing…

Kim Blocker - Sandy 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

To The Josh Mettle Team:

Our entire family cannot begin to express how grateful we are to all of your hard work! Being a home owner has always been a dream of mine and your entire team made that dream come true with professionalism, a personal touch & hard work that went above and beyond all of our expectations. We will never be able to thank you enough.

Sincerely,

Mark & Nicole Ivie

(& Morgan, Maegan, Kelsey, MJ, Nate &…

Mark & Nicole Ivie - Herriman, UT

Donna McDaniel

Donna McDaniel Testimonial - Salt Lake City, 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

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

WHAT?? I absolutely cant believe that! I am truly stunned right now Josh! I wish I could of answered your call but dang it,I am always driving my little kiddies around when I get the good calls!! Wow,I cant even thank you enough Josh for your credit simulator program,it totally saved us. I need to do it with my credit next,it is amazing.

We are so happy right now,I cant wait to get offering on houses! I have 4…

Mindy Asmus- Bowles - Salt Lake City

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

Working with Josh and his team was overall a good experience. Josh and his team were able to do something that everyone else had told us was impossible! With such a short time frame to get things done in, and with our not so cookie cutter loan situation We were very happy to be told that things were going to work out, as we were able to purchase our home, and move in before the holidays.

Lacey & Seth Paxman - Lehi UT

My experience with Josh was a positive one. He was knowledgeable and his staff was responsive.

Joe Covey - Sandy, UT

Working with you guys was great. I have no complaints at all and love how you were all willing to go above and beyond to help me out. I would recommend the team to my family and friends. If I hear of anyone who is looking I will for sure refer them to you all. Thanks again for everything and loving the house.

Andralyn Oliver - Salt Lake City, 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

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

Josh, thank you so much for your help. You have been efficient, straight forward, honest and kind. It has been a pleasure to do business with you and we won't hesitate to refer you to the world!!

Thank you again,

Diane

Diane Terry - Salt Lake City, UT

We were very pleased with the prompt attention and help you gave to us in refinancing our home loan. We were always able to get in touch with Josh or David with any questions and were able to receive answers to questions very quickly. It was a pleasure to work with you.
We don't know of any one in need of your services at this time. Thanks for your help. We really appreciate it.

Ja & Bernie Eggett - Lindon UT

Thank you so much! We appreciate all of your help in getting us this house!

Also, thank you for the link to view our house! That is awesome that you guys did that! We will be sure to refer people to you guys that are trying to buy or sell.

Thanks again, and have a great day!

Allyssa Webb & Clint Thurgood - Salt Lake City, 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

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

The whole experience of working with Josh and his team was amazing. You guys were all very helpful and willing to what it took to help me get into my first home. You made the buying experience very easy and Hassle Free. You definitely knew what to do and the best way to get it done. I would gladly recommend you to family, friends, and whoever else I know that would be needing a lender.

Brad Hutchings - Springville, UT

I found the refinancing experience with Josh a pleasant low stress experience. He is very professional and up to speed on all of the current financing options. Once I gave him the requested material to complete my refinance plan, all I had to do is wait for the closing date. I feel that he really worked hard to get me the best deal out there for my situation. He truly lives by his motto of 'Say what you do. Do…

Jim Ercanbrack - Riverton, UT

I am happy to comment about my experience with Josh. I have closed 3 loans with Josh. I was a first time buyer and Josh walked me through the complete loan process. He was very helpful, informative and patient. Since I knew nothing about mortgages at the time, he made the experience very pleasant and less confusing for me. On my last refinancing, Josh was just as wonderful! He provides great service to his customers. I have also enjoyed is…

Cortnee Morgan - Herriman, 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

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

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

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

Regarding our mortgage experience with Josh Mettle and his team; I must say that the communication was exemplary. Any questions we had were answered immediately and completely. I believe that you can tell more about a person or a company by how they handle things that don't go quite as planned than when all goes well. We will certainly recommend you to friends who may need your services.

Brett & Barbara Baird - Riverton 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

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

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

In the refi on our home you were very helpful and very fast at getting things done. They where great the first time on the purchase our home, but they did an excellent job this time. I will refer your company to other people.

Zane & Betty Bixby - Salt Lake City UT

Josh's email signature says "no surprises," and he certainly lived up to this billing. My deal had the potential to be fairly complicated; and there were a couple of curveballs during the process. However, I found Josh's understanding of the situation, and straightforward manner of presenting things, to be very refreshing.

The ultimate proof is in the pudding --I triple-checked every figure leading up to, and including, the close. In every case the numbers balanced perfectly; and there were, indeed,…

Chris Anderson - President of HandStands - Alpine, UT

This is the 2nd time that we have refinanced our home mortgage through Josh Mettle. Josh and his team have made our experiences very positive and successful - that's why we keep coming back for mortgage questions and to initiate refinance activity. The team of Josh, David, and Mandy are professional, knowledgeable, and provide outstanding customer service with quick response to our questions and concerns. They work together to ensure that our mortgage application was completed in the…

Brett & Eileen Matsumura - Layton 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

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

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

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

I put an offer on a short sale home the last week of May. We received notice that they accepted the offer and we had less than one month to close a FHA loan. Josh's team worked very hard on closing everything and it seemed they were working on all cylinders. It was like a machine where if each part worked properly and worked with each other it turned out to be a beautiful machine... haha... that is a lame example but that…

Justin & Chelsea Embry - Clearfield UT

Thanks for all your help. Your credit program worked better that I would have ever expected. We went from fair to excellent credit in a few short months. Awesome!

Josh Bowles

Junior Software and Web Developer

Josh Bowles - Salt Lake City, UT

Josh did a phenomenal job interacting with me as his client. He was ALWAYS right on-point and knowledgeable. But more importantly, he possesses the skill sets to explain the landscape in a way that makes sense to someone who doesn’t deal in these transactions everyday. Further, he always answers his phone and gets back immediately on requests. My transaction seemed more complex than most, and it had some unexpected surprises, including a significant error from an underwriter which made the…

Justin Calapp, Ph.D. - Utah

I am extremely happy with my experience with my current home purchase. We wandered in to the Ivory model hoping to get a look at the plan I had been looking at online. Wid was very helpful with information on the Ivory townhomes at Highbury. We fell in love with one of the manager special units. Wid then went on to highly recommend Josh as a mortgage broker who he trusted completely. He said that Josh would do his best…

Stephanie Mason - West Valley City, UT

I really wish you could see the happiness in the face of my family. How grateful we are to Josh for all the time and dedication you put into the loan and for making my family dream a reality. Thank you again my dear friends.

Rocio Moderno - South Jordan, UT

Thanks for all your work! You and your team were professional, punctual and kept me in the loop in every step of the loan process. I knew exactly what to expect from start to finish and was also impressed that you were there for my closing!

Kudos to you and your team!!

Sincerely,

Kevin Hughes

Kevin Hughes - South Jordan, UT

We really appreciate the quick response from Josh and David regarding our recent mortgage. On day one, when we needed a pre-approval from Josh for an offer we wanted to make on a home, Josh was awesome. We were talking to him on the phone at 9:30pm trying to fill out a loan application. By the time we got home we had a pre-approval waiting in e-mail. We felt like we were being taken care of and the details were…

Keith & Erica Huntsman - West Jordan, 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

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

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

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

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

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

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

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

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

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

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

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

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

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

After two frustrating months of trying to get a pre-qualification letter from one of the nation’s largest banks, I was referred to Josh by a work colleague. Josh was able to get all my paperwork over the weekend and by Tuesday I was able to get a prequal letter so I could make a timely offer on a short sale. Josh and his team was very responsive during the underwriting process and very informative in helping me with my rate…

Chris Brockbank - Woodland Hills, UT

My experience with Josh and having used him before was quite enjoyable. We had no glitches in the processing and my wife and I are very pleased with his honesty and ability to work the loan rate out. He also keeps us informed with his monthly newsletter. The newsletter keeps us up to speed on the changes going on in the market as well as things we might need to think about relative to taxes.

As far as referrals, I…

Ed & Kathi Buksas - South Jordan, UT

My experience with Josh and company was AWESOME.

Merlin & Sherry Nicholes - Draper UT

Hi David, I just want to let you know that my experience with Josh and his entire team was excellent. I was referred to Josh by my real estate agent and could not be more pleased with her recommendation. From start to finish Citywide was very professional, easy to contact, very helpful with any and all questions and concerns. I liked the way Josh made sure there were never any surprises! I always felt confident in his answers and advice. …

Martin & Stacey Segura - Murray, 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

Our experience with Josh has always been wonderful. He always keeps in touch with us by sending mailers each month. We have now been working with Josh Mettle for almost 6 years. He always answers his cell phone and is willing to help answer any questions that arise. He was very prompt in getting back with us on what was needed for this refinance. He sent out the appraisers within the same week of discussing our plans to refinance our…

Jay and Heidi Hortin - Salt Lake City, 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

I have used Josh Mettle for the purchase of three homes over the past three years, one of which was my first home purchase. Prior to Josh I worked with two other mortgage brokers of which I was not impressed with their ability to clearly explain the loan process or details that I felt were important for me to understand. My experience has been much different with josh because no matter how simple or insignificant my questions were he was…

Donavon Minnis, Okland Construction - 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

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 - Salt Lake City, UT

I am very pleased to recommend the Josh Mettle Lending Team. In fact I already have promoted you to one of my friends. Expect more to come.

Alydia and I are delighted with the high level of service we received. I approached Josh at the recommendation of my friend Kent Whipple. We were in a difficult situation with excellent credit scores but two variables that made this a tricky transaction. Josh listened patiently then dug into…

Brad & Alydia Barton - Ogden, 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

My experience with Josh and his team was great. During this time when lending can be difficult, Josh and his team went the extra mile for us in order to not only get our loan approved and funded but to get us a great rate in the process. The loan process was frustrating at times but Josh was quick to address our concerns and put us at ease. Thank you, Josh and team for your efforts and we love our new home.
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Stu Segura - Highland, 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

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

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

Our experience with Josh Mettle could not have been better. The purchase date of our new home and the closing date on the sale of our old home created a very tight time line. Josh's experience and expertise made the transition flawless. He kept us informed during each step of the process and was more than willing to answer all of our questions. This included a thorough line by line explanation of all financial documents. Additionally, Josh was able to…

Rand Stover - Riverton, UT

My mortgage experience was fantastic. It’s never seemed that easy to buy a house. Josh’s knowledge is incredible. It was nice being able to call him and get answers right then and there! Every step of the process was as easy as I could have hoped for it to be. He does a great job keeping you informed with daily or weekly phone calls. My agent Tammy was also great to work with. Working with all of you I didn’t…

Jason McKnight - Salt Lake City, UT

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

Toni Hawkins - 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

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

I/We would be happy to comment on our experience with Josh Mettle. Josh was great! He never avoided any of our calls or put us off. Whenever we had any questions or concerns he did address them. We had to trust in Josh that he truly was getting the loan that would best benefit us since he has all the experience in this field. We feel he did that. At closing everything was as Josh had told us. No surprises.…

Tery Davis - Utah

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

Thanks again for the great service you provided on our loan. It's honestly some of the best customer service I've ever experienced!

Tony Rasmussen, Sr. VP of E-Services for Mountain America C/U - South Jordan, UT