Advisor Photo

Justin Phillips

Mortgage Loan Officer at Citizens

NMLS ID #1374070

Main Number
(302) 528-6124(302) 528-6124
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Address

919 North Market Street
Wilmington, DE 19801
US
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Contact

Cell:
Mobile
(302) 528-6124(302) 528-6124
Email:Justin.Phillips@citizensbank.com
Mortgage Calculator
What Can I Afford

About Justin

Delaware 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

Apply Now

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.
Calculate Your Monthly Payments*
Calculate Your Maximum Loan Amounts*
>Loan Amount
Interest rate (%)
>Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
$400
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
>
Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
$400
Total Cost of Mortgage $400
*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

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
460 E Main St
Middletown, DE 19709
US
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
4345 Kirkwood Hwy
Wilmington, DE 19808
US
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
2001 S Broad St
Philadelphia, PA 19148
US
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