Central Pennsylvania is a wonderful place to live, and choosing to buy or build a home here couldn’t be better. As an experienced mortgage loan officer with more than 25 years in the industry, I am very knowledgeable about the variety of different home loan programs we offer.
Whether you are a first-time homebuyer or a seasoned homeowner, I'll walk you through the mortgage process and answer your questions, big or small. I can assist you with a purchase, refinance or building a new home. Together with my loan officer assistant, Matt McCloskey, we are ready to help you with all your home lending questions.
I am a proud graduate of Penn State (Go Lions!) and also served in the U.S. Army. My wife and two children are proud to call State College home and we enjoy giving back to the community by volunteering at church, coaching youth sports, and raising money for the State College Food Bank.
Helping people achieve their dream of homeownership is my passion, so please let me know how I can help you!
Awards
2019, 2022-24 Citizens of Excellence Winner
2018-2024 President's Club Winner
Education & Certifications
Citizens Bank Construction-to-Permanent Certified
Connect With Me
About Citizens
Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.
Ask me how you could save money when you set up automatic payments from your Citizens checking account and enroll in electronic billing statements for your new home loan.
Fast. Convenient. Easy. Apply Online Today.
Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²
Ask me how you could save money when you set up automatic payments from your Citizens checking account and enroll in electronic billing statements for your new home loan.
Fast. Convenient. Easy. Apply Online Today.
Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²
Ask me how you could save money when you set up automatic payments from your Citizens checking account and enroll in electronic billing statements for your new home loan.
Mortgage Calculator
This simple purchase mortgage calculator is an illustrative tool to help you estimate what your monthly mortgage payment could be when shopping for a home. You can adjust your loan amounts, interest rate and loan term to see how much your payment might change. It’s important to know that your specific interest rate will depend on your overall credit profile including your credit score, income, and debt-to-income ratio (the sum of all of your debts and new mortgage payment divided by your gross monthly income). I am happy to help explain the details and all the different product options we have available so you have a more definitive idea of how much house you can afford.
*Disclosure: The above tool estimates potential fixed rate monthly mortgage payments for purchase transactions and does not include property taxes, homeowners’ hazard insurance, mortgage insurance, flood insurance, homeowners association fees, closing costs or any other related monthly fees. This calculator is intended for informational purposes only and accuracy is not guaranteed. This calculator does not assure the availability of or your eligibility for any specific product offered by Citizens or its affiliates, nor does the calculator predict or guarantee the actual rate. You are viewing a third party created calculator and as such, Citizens assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.
Easy Online Mortgage Application,Citizens Mortgage Application Process
Bank Branches Served
CitizensOpen until 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 12:00 PMClosed Today
4101 Carlisle Pike
Camp Hill, PA 17011
US
CitizensOpen until 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 12:00 PMClosed Today
2 W Main St
Mechanicsburg, PA 17055
US
CitizensOpen until 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 12:00 PMClosed Today
1826 N Atherton St
State College, PA 16803
US
CitizensOpen until 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 12:00 PMClosed Today
1900 South Atherton Street
State College, PA 16801
US
CitizensOpen until 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PM9:00 AM - 4:00 PMClosed Today Closed Today
