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John Minigiello

Sales Manager at Citizens

NMLS ID #32241

Main Number
(617) 240-1978(617) 240-1978


89 Main Street
Suite 160
Andover, MA 01810


(617) 240-1978(617) 240-1978
Fax Number
(833) 330-7475(833) 330-7475
Mortgage Calculator
What Can I Afford

About Us

About Me

With over 30 years of experience in the mortgage industry as a loan officer and a manager, I have helped clients achieve their homeownership goals under all types of real estate market conditions. Whether working with first-time homebuyers, seasoned homeowners, real estate agents, or investors, I take the same consultative, service-oriented approach with everyone.

Well-versed in residential mortgage options, I have experience handling Conventional, Jumbo, FHA, and VA loans to meet the needs of my clients. While the process of obtaining a home loan may seem stressful at times, I will work to explain the process thoroughly and set expectations to ensure my clients have the smoothest experience possible.

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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
  • Physician home loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing
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What Agents Can Be Doing to Grow Their Business?

Thursday, April 27
10:30 AM – 11:30 AM (EDT)

Tom Ferry, popular real estate industry coach, is back to join us for an
Exclusive Power Hour webinar on April 27th! Tom will offer
first-hand knowledge on how to take your business to the next
level in this ever-changing environment. Don't miss learning valuable tips
from Tom that could set you apart from your competitors!

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

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

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

Mortgage Learning Center

We’re here to make sure you have the resources and solutions to help you reach your potential.Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a selection of articles to help you learn more about mortgages and the home buying process.

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