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TESTIMONIALS for Arnie Goldstein

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TESTIMONIALS for Arnie Goldstein

“Now that our purchase has been closed, I wanted to thank you and the Bank for making this happen. I’ve been extremely impressed with the level of professionalism you and everyone I’ve dealt with at the Bank have displayed. Having dealt with major banks for over 25 years I’ve found your commitment to service refreshing. I have already recommended the Bank to a colleague and will continue to objectively recommend you and the Bank. We are moving our banking to Citywide and look forward to a long and productive relationship. Thank you once again.”

Alex Grinberg – Citywide Banks Customer

“I want to thank you and compliment you for taking such good care of me during a most challenging condo closing. You will never know the peace of mind and support you gave me in such a difficult situation. Your efforts were helpful, knowledgeable and most appreciated. Things are going well and I love my new home.”

Lory Schumm – Citywide Banks Customer

“I just want to thank you for your help on the mortgage. It truly was painless.”

Marc R. Wise – Citywide Banks Customer

“Arnie -- just a quick note to THANK YOU for your help in the refi of our mortgage. You were very helpful in explaining each step along the way and you made us feel comfortable in our decision-making. As you know, we had tried to accomplish the refi with another bank, and we got frustrated and quit the process. Our experience with you was just the opposite, and for that we say THANK YOU!!!”

Steven Braverman and Sandy Vergamini – Citywide Banks Customers

“Arnie is a real professional. He listens well and helps find a loan that works for you. Throughout the process I felt we were taken care of with good results at the end. I recommend him!”

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“I have done all my business and personal banking with Wells Fargo for over 15 years. When I

approached them with my current situation, I actually expected them to work with me to refinance my house. To my surprise, I was not even given an opportunity to sit down with someone to see if there were any options for me. It seemed that I was not worth their time. I was very disappointed to realize that my loyalty to Wells Fargo meant nothing.

On the other hand, I think both of you went far beyond the call of duty to make things work for me.

Arnie, you took the time to sit down with me and show me what I needed to make things happen. Once I met those goals, you spent your time and effort to give me a couple different options. I think that I received far more than I expected. I received a great loan and a great rate because of you. The service did not stop there; you knew my personal situation, and on more than one occasion offered to talk to my ex-husband so that I would not have to deal with him directly. You made the closing simple and effortless in an otherwise very uncomfortable situation of going through a divorce.

I talked to Leslie today, and I am arranging to move all my accounts to Citywide Banks. Your bank offers everything I currently use now with Wells Fargo, but with a personal touch. When I deal with Citywide, I feel like I matter.

Chris, you jump started everything – introduced me to Arnie, checked in with me to see how things were going, and took every phone call I made to you. I will do all my daily banking through your bank location – it is more convenient for me, and I am really looking forward to meeting you in person.

You guys were amazing!

I wanted to thank you for everything you have done for me and look forward to being a part of the Citywide family. You can bet I will recommend Citywide Banks to all of my family and friends.”

Mary Jo Hansen – Citywide Banks Customer

“I wanted to let you know that Arnie Goldstein & Janyce Howard went above and beyond to close my current mortgage refinance. Everything was done very timely on our end, but Green Tree Servicing on my end was very, very slow in providing information needed to close the loan. As luck would have it everything came in and was ready to close while I was on a two week vacation. Arnie and Janyce told me not to worry about a thing they would have a title company where I was in Yakima, Washington contact me to close there. That evening the title company called me set up a 8:30 a.m. appt. for the next morning to come to my mom’s home to close the loan. The girl was right on time and ½ later we were done.

Thanks Arnie and Janyce for all the time spent on this refinance. I can’t thank you enough for your efforts.”

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“I have been very satisfied working with Arnie. He brings the ‘big bank’ expertise and products with a ‘small bank’ mentality of dealing with the customer. All calls and emails were answered quickly and I was able to reach him with any questions as we worked through an interesting loan opportunity. I’m used to dealing with a small local bank where I know everyone. I now feel like I know Arnie just about as well! And he is over 1000 miles away!

Thanks for a great experience.”

Jann Martin – Citywide Banks Customer

“I would like to extend a warm thank you to your bank, but even a greater appreciation to your

mortgage people, especially Arnie Goldstein, who handled my loan. This whole loan was an estate sale from my father’s estate and had numerous problems and difficulties associated with it. I had dealt with Wells Fargo in the beginning and they were absolutely worthless. I then made contact with Kurt Renner of Citywide and he put me in contact with Arnie. Arnie knew there were several problems, but held strong and made everything WORK! I have already recommended Arnie and Citywide Banks to two individuals. Arnie Goldstein is a real asset to your firm and I cannot express my pleasure in dealing with him.

Thank You,”

Paul Frisk – Citywide Banks Customer

“We refinanced our home loan through the Residential Mortgage Loan Department. The Process was exceptionally prompt and straightforward. A phone call from Arnie Goldstein detailing the necessary paperwork that was needed and then everything was arranged for a proficient closing. Thank you Arnie and your team for a very pleasurable experience.”

Jon and Sharon S. – Citywide Banks Customers

“I worked with Arnie Goldstein to refinance the mortgage on my house in Littleton. He was terrific every step of the way. I had a small issue on my credit report that I had not been aware of. Arnie walked me through the process of getting that item cleared from my report, which is a process that would have taken me much longer without his help. He was extremely helpful and knowledgeable all the way through the process. I was leaving town for an extended trip and needed to close by a certain date, and Arnie had no problem getting the loan closed and funded before I left. Any time I had a question, or there was a glitch in the process, Arnie knew just who to call to get it resolved. I

recommend Arnie to my friends and family whenever they have a mortgage lending need, and plan to work with him again soon on the refinance of my rental property.”

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“This letter is to express my gratitude to the Mortgage Loan Department, especially Arnie Goldstein. Arnie began working with me in May of this year and due to some very unusual circumstances regarding the sale of my house, had to produce two loans for two different house purchases over a period of 5 months.

Through the whole process, he was very professional and encouraging and guided me appropriately to my final destination which was purchasing a beautiful home with minimal aggravation. The staff was also great and patient with my situation.

At closing Arnie was out of town so Chuck showed up just to make sure everything was going well, which was much appreciated. My realtor stated she would recommend Arnie and Citywide Mortgage for any client that needed financing in the future.

All in all a very stressful situation was managed so well by Arnie and the staff that in looking back, I couldn’t have asked for a better group to handle my loan needs. Just wanted you to know how much I appreciate their diligence, patience and professionalism. Great Staff, Great Job!!!!”

Nancy O’Shields – Citywide Banks Employee

“I want to express my appreciation for the time you have given my real estate loan request. I know that it was a difficult request that did not fit into the normal box. You took the time and lent your expertise to follow through to a satisfactory conclusion. If I can return the service by recommendation, I will be most happy to.

I wish you a Merry Christmas and Happy New Year. The best to you in the coming year. Thank you again.”

Doug Ylarraz – Citywide Banks Customer

“I had the pleasure of working with Arnie on the refinance of my property. I previously had worked in the mortgage industry and I felt Arnie is one of the best I have had the opportunity to work with. He is very professional and honest in his approach to working with customers. He took the time to explain my options and make sure I understood how each of those options would affect my payment and fees. I would not hesitate to refer others to Arnie for all of their residential mortgage needs.”

Bob Roehrenbach – Citywide Banks Employee

“It was a pleasure to work with Arnie and his staff at Citywide Banks. Arnie was responsive to all questions, dependable and reliable in accomplishing the task at hand. I was most impressed with the turnaround and how quickly the settlement date was scheduled. I wouldn't hesitate to recommend Arnie to others.”

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“I’d like to thank Citywide Banks for providing excellent service in my re-finance process for my home mortgage.

In particular, I’d like to thank Arnie Goldstein for making this whole process seamless and a very good experience. Arnie has been thorough, on time, and fun to work with. He explained the re-finance process at Citywide clearly and always kept me current with the status. And he made this experience good by having a great attitude and sharing some funny anecdotes along the way. I never felt confused or frustrated as I had been when I tried to re-finance my mortgage with Wells Fargo.

As I initially tried re-financing my mortgage with Wells Fargo, the whole process dragged on month after month after month. I expected that since my mortgage was with Wells Fargo, they could process it pretty fast. But the opposite was true. They obviously had taken on too much re-finance work and didn’t have people to keep up with the work load.

Arnie had told me that he expected the loan re-finance to take approximately 45 days. We actually closed in 31 days. I was amazed and greatly appreciative!

Again, I’d like to thank Citywide Banks for their help and especially Arnie Goldstein. Thank you all again.

Sincerely, “

Olcott Pinkston – Citywide Banks Customer

“I have worked with Arnie Goldstein twice -- once on my original loan and once on a refinance on my home. Both times he has been very professional and made the experience as painless as possible. I appreciate that he called me and suggested the refinance because I wouldn't have thought that I could refinance so quickly after purchasing my house, but it went very smoothly and I now have a much better monthly payment. I have really enjoyed working with him and have recommended him to friends and family.”

Cara Altman – Citywide Banks Customer

“Arnie, I just wanted to let you know how pleased I am with your great service in regards to the new home I recently purchased. You pre-approving my loan made all the difference with the selling realtor in accepting my offer. You made the formal application process very easy to understand and being able to close within 30 days was a life saver. Your professional approach to the buying and financing process put me at ease and I would not hesitate to refer my friends and family to you for their mortgage needs. Thanks again for a job well done.”

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“My husband and I just completed a home re-finance through Citywide, with the help of Arnie

Goldstein. This is the second time we have worked with Arnie and it won't be the last. The first time we worked with him, about three years ago, I thought, "What's the catch? Is this guy for real"? It felt like he was really looking out for our best interests. This most recent time, we had no doubt about that. He did not make decisions for us, but respected us enough to provide all the information and choices we needed to make a decision that was best for us. He went out of his way to make our transactions as convenient and timely as possible. But most of all, he treated us with plain old human decency. We have and will continue to refer friends and family to him and look forward to working with him again.”

Bruce and Suzanne Riccio – Citywide Banks Customers

“Arnie facilitated the refinance of our home and he was a pleasure to work with! He is easily accessible and was happy to answer any questions that came up. He made the process as easy as it could be and we will definitely recommend him to friends and family!”

Audrey Jones – Citywide Banks Customer

“Gail and I want to personally thank you and your staff for the outstanding job you did in processing our mortgage loan. You made the whole process very simple, and got us an unbelievable rate. Your advice and guidance was spot on for every question we had, through every step of the loan from application to closing. It was a pleasure working with you, and I would certainly recommend you personally to anyone requiring a mortgage loan.”

Kory Levin – Citywide Banks Customer

“Paula and I want to extend our sincere gratitude to you and your team for the wonderful work you did on our re-fi. You made the process a little less painless for us. At times it was frustrating and we

appreciate your guidance and efforts during this process. Rest assured that we will use your services again in the future when the need may arise. We, will also if we may, refer friends, family and colleagues to you as well.”

Gary & Paula Meeks – Citywide Banks Customers

“I just finished refinancing my home with Arnie. The experience was very enjoyable and I really appreciated the knowledge and quickness that Arnie showed during the entire process. If I ever have any lending necessity in the future I will not hesitate to contact Arnie Goldstein and also refer my friends and family.

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“I would recommend Arnie Goldstein to anyone as a lender. As a first time home buyer; I needed more assistance and insight than the average borrower. Arnie was always happy to take the time to help me understand the nuances of the process and to lend helpful advice. I looked for a home for a full year due to the very active market in Denver and Arnie never lost patience and truly went above and beyond in his assistance to me. Arnie made my home buying experience much better and enabled me to make a more informed decision than otherwise possible.”

Aaron Gerlach – Citywide Banks Customer

“Arnie Goldstein, Senior Loan Officer at Citywide Banks was our loan officer as a first time home buyer. Not ever purchasing a home before we had no idea what to expect and were very nervous going into this transaction. We want to share our experience for anyone who is looking to purchase a home. Mr. Goldstein was very helpful and answered all our questions, he made everything go so smooth with all his hard work. Mr. Goldstein is a very kind person who makes you feel very comfortable and secure, we highly recommend him to get you in the home of your dream.”

Carla & Dennis Carroll – Citywide Banks Customers

“Arnie Goldstein helped me refinance my home. This was a very complicated situation but he worked his magic when most people said that it could not work. He stuck by my side and led me through the process when I was ready to throw in the towel. I absolutely believe that not many people in this world would have put in the time and effort into helping me achieve my dream. I consider myself very lucky to have met a loan officer like Arnie.”

Jamie Kenney – Citywide Banks Customer

“Arnie, we would like to take a moment to thank you and your team for going above and beyond the call of duty in helping make our home purchase happen in the face of numerous roadblocks. Most notably, on September 12th, Arnie and his team were able to help locate and propose an alternative closing location with little to no notice. Keeping in mind that this was the day that the St. Vrain River cut Longmont in two in some of the worst flooding that Colorado has ever seen, keeping us from physically getting to our original closing location. We know Arnie did not have to do this, but it speaks to his professionalism and drive to do the right thing by his customers, that he will go the extra mile to make sure his customers are taken care of! All I can say is THANK YOU for helping to make our home buying experience an enjoyable one and for helping us successfully and gracefully navigate the sometimes choppy waters of home buying. Thank you!”

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“First and foremost, THANK YOU. Learning and doing are two completely different things, but you made the process of understanding my first refi loan extremely easy! Arnie made my experience very

personal and worthy of his expertise. No matter how many questions I had, Arnie was always able to provide me with a detailed explanation that simplified the concept and clearly delineated the entire loan process. Arnie was patient and worked around my schedule, and communication was never an issue. Getting to talk about golf and fly fishing was an added benefit!! Thank you again for all of your help.”

Wes DiGrappa – Citywide Banks Customer

“I have nothing but praise for Arnie Goldstein at Citywide Banks. I was in the market for a house in a neighborhood where homes were selling almost immediately and at full asking price. I found one that I liked and Arnie helped make it a reality. He was able to get my mortgage secured and ready for signing in less than 30 days. In the face of record setting rain and flooding, he still made it work and on time, too! I would not hesitate to use his services again and I plan on advising friends, family, and coworkers of his tenacious work ethic. It is refreshing to work with someone who is truly knowledgeable about finance and real estate, and who works tirelessly to achieve the goal. In my case, I was in my new house right on time with a competitive interest rate as well. Many thanks, Arnie! A job well done, sir.”

Martin Kenney – Citywide Banks Customer

“I just want to say how great the service and the help I received at Citywide Banks was on my home loan. My loan expert was Arnie Goldstein. He was amazing in helping me get my new home loan for my new house. Here was my situation that Arnie had to deal with to get me a loan. I had a short sale from just over 2 years ago. He spent days finding me a underwriter that would listen and look at my credit rating, he took the time to listen to me and understood that things happen to us in the past, be it a divorce or other financial difficulties especially with the way the economy was a few years back. He helped out a veteran in need and had the foresight to get things done. Just so that you know I went to a different loan agency before Arnie and was told in no uncertain terms that there was nothing they could do for me. Boy I'm glad I found Arnie. If you are in need of a new home loan go see Arnie Goldstein. Thanks again Arnie.”

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“My experience with Arnie whom is a Senior Loan officer for Citywide Banks was truly one of the best experiences that I have ever had with any mortgage bank and or mortgage company. In fact, with Arnie’s experience and knowledge he found a way to structure financing for my client who is a self-employed business person, which in today’s environment it’s very difficult to accommodate financing for business owners as you may know. Also, the follow-up was far superior and very consistent throughout the entire process from beginning till the very end.

Again, I thank you greatly on behalf of myself and my Landmark Brokerage Team.”

Yan Kaminsky, Managing Director - Landmark Brokerage, Greenwood Village – Citywide Banks Customer

“Sometimes it is hard to figure out how to thank someone for all they have done. I just wanted you to know how much I appreciate your support during the purchase of my new home. I do realize that I would not even be in a new home without your involvement. You listened patiently to my concerns, encouraged me through my doubts, and then with your uniquely invaluable help, I am now a new home owner. You helped make this journey a most rewarding one. Not only do I have a new home, but I have a wonderful new friend. I will recommend you to everyone I know. You are the best!”

Missy Alford – Citywide Banks Customer

“We were trying to obtain a home mortgage and we were recommended by a friend to use a broker that told us “no problem we’ll get it done”, well about 20 days from our closing, we discovered that they were not going to be able to do it after all. So in a panic, I called my personal banker at Citywide Banks and he put me in touch with Arnie Goldstein. I cannot say enough wonderful things about Arnie, I really enjoyed chatting with him, he was pleasant, efficient, professional, great to work with, and he got our loan done in record time! The information gathering process was painless and the closing took place even a few days sooner than he had originally quoted us. I would most certainly recommend Arnie and Citywide Banks for any of your home loan needs.”

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“Thank you very much! We are so happy to officially be homeowners and love our new home. Lending experience:

Arnie was wonderful to work with. As first time homebuyers he was easy to talk to and helped us understand the lending process. Thanks to Arnie and his team we were able to get our lending piece done quickly and move into our new home that we love!"

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