Mortgage Calculator
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About Thomas
Texas is a wonderful place to live, and choosing to buy or build a home here couldn’t be better. While financing a home is something that most people do only a few times in their lives, helping people achieve their dream of homeownership is my passion.
I have years of experience as a residential mortgage loan officer and am very knowledgeable about a variety of loan programs. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer your questions, big or small.
Throughout my career, I’ve helped my clients secure the financing they need to purchase, renovate, build, or refinance their dream home. Because my business is built on referrals, my goal is to make your mortgage experience a great one!
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.
Featured Products & Services
- Fixed and adjustable rate mortgages
- Affordable home financing programs
- FHA/VA loan programs
- Jumbo loans
- Condo financing
- Second home and Investment property loans
- Construction-to-permanent financing
- Renovation-to-permanent financing
- Physician Home Loans
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
Get 0.125% Mortgage Interest Rate Discount
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.
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PMClosed Today Closed Today
101 Delancey Street
New York, NY 10002
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
One East Fordham Rd
Bronx, NY 10468
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
569 West 235th St
Bronx, NY 10463
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
449 S Broadway
Yonkers, NY 10705
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
15 Union Square West
New York, NY 10003
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Citizens 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
11 East Houston Street
New York, NY 10012
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
60 East Street Road
Feasterville-Trevose, PA 19053
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
125 Stephenson Hwy
Troy, MI 48083
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
3365 Washtenaw Ave
Suite L
Ann Arbor, MI 48104
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
15930 Michigan Ave
Dearborn, MI 48126
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
12850 Michigan Avenue
Dearborn, MI 48126
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
16501 W Warren Ave
Detroit, MI 48228
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
7205 Wayne Rd
Westland, MI 48185
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
23455 Eureka Rd
Taylor, MI 48180
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
5911 Lewis Ave
Toledo, OH 43612
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
15042 Puritas Ave
Cleveland, OH 44135
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
79 West Upper Ferry Road
West Trenton, NJ 08628
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
706 Stony Hill Rd
Yardley, PA 19067
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
4500 South Broad Street
Trenton, NJ 08620
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
195 Franklin Blvd
Philadelphia, PA 19154
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Citizens Supermarket Branch 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 3:00 PMClosed Today
2301 Bristol Rd
Bensalem, PA 19020
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
1881 Street Rd
Bensalem, PA 19020
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
31 Cambridge Ln
Newtown, PA 18940
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
600 Centerville Rd
Lancaster, PA 17601
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
2923 Willow St Pike
Willow Street, PA 17584
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Citizens Supermarket Branch 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 3:00 PMClosed Today
2643 Shillington Rd
Sinking Spring, PA 19608
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
219 S Mountain Blvd
Mountain Top, PA 18707
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
4271 Union Deposit Rd
Harrisburg, PA 17111
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 5:00 PM 9:00 AM - 12:00 PMClosed Today
2040 George Urban Blvd
Depew, NY 14043
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
70 Commerce Dr
Wyomissing, PA 19610
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
407 W Harford St
Milford, PA 18337
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
4950 Kutztown Rd
Temple, PA 19560
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Citizens Supermarket Branch 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 3:00 PMClosed Today
1278 S Market St
Elizabethtown, PA 17022
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
100 S Union St
Middletown, PA 17057
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 5:00 PM 9:00 AM - 12:00 PMClosed Today
1251 Union Rd
West Seneca, NY 14224
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
1155 Whitehorse- Mercerville Road
Hamilton, NJ 08619
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
500 Route 33
Mercerville, NJ 08619
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 5:00 PM 9:00 AM - 12:00 PMClosed Today
6000 South Park Avenue
Suite 850
Hamburg, NY 14075
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Citizens Supermarket Branch 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 3:00 PMClosed Today
355 Orchard Park Rd
West Seneca, NY 14224
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Citizens 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 12:00 PMClosed Today
814 Main St
Stroudsburg, PA 18360
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