Miguel Muniz

Sales Manager at Citizens

NMLS ID #575598

Main Number

(561) 644-1933(561) 644-1933

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Address

777 S Flagler Drive

Suite 142

West Palm Beach

FL 33401

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Contact

Cell:

Mobile

(561) 644-1933(561) 644-1933

Email:miguel.j.muniz@citizensbank.com

Mortgage Calculator

What Can I Afford

About Miguel

As a Producing Sales Manager with Citizens in West Palm Beach, FL, I am dedicated to providing the highest level of service to our home lending clients. With more than 20 years of home lending experience, I can help you find the best home financing solution for your unique needs.We offer traditional loan products such as Conventional and Government Loan options (FHA, VA) as well as Down Payment assistance programs for first home buyers. We offer Jumbo loans through our Portfolio including physician loans and true one time closing construction-to-permanent loans.I have been Palm Beach County, Florida resident since 1995 after relocating from Sullivan County, New York, however I am able to originate home loans throughout most of the country. If you are looking for a loan on your first home, moving up or down in home size, looking to build a new home, or refinance the home you are already in, I am ready to help! Let’s connect today.

Awards

2023 Citizens of Excellence Winner

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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

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.