Daniel Heffernan Citizens Bank

Daniel Heffernan

Sr. Loan Officer at Citizens

NMLS ID #680432

Main Number
(617) 994-7578(617) 994-7578


28 State Street
24th Floor
Boston, MA 02109


Main Number
(617) 994-7578(617) 994-7578
(617) 840-6936(617) 840-6936
Mortgage Calculator
What Can I Afford

About Us

About Me

Thank you for visiting my web site. As a seasoned veteran of the residential mortgage industry and a Sr. Loan Officer at Citizens Bank since 2009, I offer residential mortgages to the affluent, mid-career professionals and first time home buyers. My extensive 42-year commercial, retail banking and credit background allows me to offer the very best customer service and provide essential financial evaluations and recommendations. Citizens Bank offers a variety of mortgage products with aggressive pricing, further allowing me to meet my clients’ personal needs while offering competitive interest rates. Over the past 25 years, I closed over $1.50 billion in first and second residential mortgages, achieving the President’s Club designation for top sales volume leaders annually. And recently, I received Citizens prestigeous 2020 Winner's Circle Award.

I am proud of the Harvard University Preferred Mortgage Program that I launched 32 years ago with Harvard University and its various academic schools, including Harvard Medical School and all 19 affiliated hospitals and medical institutions. Over the years, I assisted over 7500 Harvard faculty and staff members meet their residential mortgage financing needs.

I consistently provide an unparalleled level of customer service on every mortgage transaction and offer personalized financial evaluations and recommendations to ensure that all clients receive a mortgage program tailored to their financial goals and objectives. My office is conveniently located in downtown Boston, and I am supported by Sr. Loan Officer Assistant Lisa Sabey at lisa.sabey@citizensbank.com.


  • 2020 Winner's Circle Award for Top Performers
  • 2010-2019 President's Club

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
  • Jumbo loans
  • Condominium financing
  • Physician home loans
  • Second home and investment property loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

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.

Bank Branches Served

Citizens Bank 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 PMClosed Today Closed Today
73 Tremont St
Boston, MA 02108