At CitiSky Home Loans we understand that every customer has individual needs, which we strive to meet by offering a wide array of products, investment tools, and mortgages. We are invested in making your dreams come true and are committed to providing the best quality of service and personalized attention.
The home loan process has never been easier and much of it can be completed online. Our website not only gives you access to various mortgage loan resources, but you can also complete a secure loan application or pre-qualify for a home loan at your convenience.
If you prefer to speak to an agent, please give us a call or fill out the short form above. Buying or refinancing a home can feel like a difficult process, but we are here to help!
Knowing CitiSky is like wining lottery jackpot in my life. "before John/Magda , I've been working with almost 10 different lenders to refi my investment property none of them can get the job done or come up with a good deal, some of them are very slow, inexperience or don't know what they are doing After first phone conversation with citisky(her name is magda) , i can tell right away she's good and will always be there when I have questions/follow ups, I text/call call magda many many times a day, surprisingly , she always response back quickly, we sometimes talk on phone late night about the loans, or she even share with me her personal thought about my deal. Remembering, one day her relative pass away, she has to take day off and go to hospital, i called her and she still manage her time to answer my questions and give me some advice. another time, the appraiser come to my home on weekend to appraise my property but i can not make it there. john come to my place by himself just to make sure everything go smoothly I start investing on real estate since 2012, until now, i work with total almost 20 lenders i consider myself as a hard person to work with, because i'm very detail oriented, very responsive, demanding and need things asap but magda can keep up with me so far i have done 3 loans with them, one purchase and 2 refinance I can tell now, CitiSky is the best from now on, CitiSky will be my life time lender"user2605616
Great helpful knowledgeable and very straight forward "Stayed on top of concerns Helped me understand the process kept me informed of any and all changes over all my experiance of buying a home was very exciting as it should be being made easier to be excited by the lender being so down to earth and taking the time to actually help.."Ray2284
Very professional and focused "Johns expertise made proceeding with refinancing my mortgage as stress free as possible. He is extremely professional, trustworthy and reliable. He sensed the urgency in my situation and walked me through each step of the process and remained composed and focused throughout the process. John was instrumental in saving my property and I highly recommend him to others."floraaslanian
Easy process through difficult time "I had recently been a victim of identity theft, and it happened right before I was shopping for a home. Needless to say, my credit took a dive at the worst time possible. John helped me secure a loan I was comfortable with, and helped me along the way with any document I needed to sign, and answered any questions I had regarding what was needed, why it was needed, and so forth. Would 100% recommend working with him for a loan, he knows what he's doing."jgonyea82
John is a knowledgeable and creative lender. He was able anticipate obstacles and present viable solutions. "John Garibyan had the lending option that fit my financial situation. A 10% Jumbo with no MIP - Winning! I would highly recommend John's team if you're in need of a home loan."zuser20160202183617081
Great lending experience "We had an extremely pleasant experience. John was very understanding of our situation. He scheduled appointments around our busy schedule. Took his time to listen and answer all of our questions. Gave multiple options to cater our needs.Will recommend to friends and family for any mortgage needs."Mr.Lopez
Saved our Home!!! "What can I say about John and his team' In 2013 John help us save our home from foreclosure when we were going through some tough Times, He did what seemed like an impossible task ” help my family keep our beautiful Home” So when it was time to refinance two other properties in December 2016 we went back with John and like a pro he hit it out of the park!!! Always Keep me well informed and if there were any issues John and his team were always on Top of it. I have recommend John to all my family and friends and will always use John and his team. Thank you John and God Bless”"joe bears
Lending Experience "John did a fantastic job of assisting us through the entire refinance process. He always made himself personally available, answered all of our questions immediately and explained the entire process thoroughly. We would definitely work with John again in the future and recommend him to all of our friends and family. We appreciated the impeccable service he provided us."BeetaF
Great lender, pleasure to work with "John was very professional & very prompt when it came to being able to reach him. He made the process of buying home smooth & less stressful. Thank you!"manehsarkisian
Overall, excellent job and terrific service! I could not be happier working with such a professional lender. "John Garibyan handled my refinance, and a wiser choice would have been impossible. Mr. Garibyan was very knowledgeable and truly outstanding from start to finish. Mr. Garibyan was understanding, supportive, and personally interested in ensuring that the process was completed professionally and on time while, concurrently, taking time and effort to help me overcome several unique obstacles along the way. Bottom line, if you have mortgage needs and desire the process to be a 95th percentile positive experience, my advice is to run, don't walk, to John Garibyan."anahitbadalian
Amazing Service "Our family applied for over a half a million dollar loan. Mr. Garibyan and his team were extremely helpful and efficient in this process. Throughout the time the loan was processing, John kept us updated of the status every step of the way. He made this process a lot simpler than any other place. We tried applying with two other banks but did not get approved. John got us the approval and for that I am very grateful and thankful. Would highly recommend his services."SarkisGeorgeTekeian
Our lender was very knowledgeable. "John explained in details what are options were and what action we should take. John's advise was genuine and very professional. We recommend John to anyone who needs these services."tanya0977