Daniel P. Heffernan
Sr. Loan Officer at Citizens
NMLS ID #680432
Thank you for visiting my web site. As a seasoned veteran of the residential mortgage industry and a Sr. Loan Officer at Citizens since 2009, I offer residential mortgages to the affluent, mid-career professionals and first time home buyers. My extensive 43-year commercial, retail banking and credit background allows me to offer the very best customer service and provide essential financial evaluations and recommendations. Citizens 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 in 2021, I received all three of Citizens prestigious awards known as Citizens of Excellence, President’s Club Awards, and Winner’s Circle.
I am proud of the Harvard University Preferred Mortgage Program that I launched 33 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 8000 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 both Sr. Loan Officer, Lisa Sabey at firstname.lastname@example.org or 617-994-7549 and Loan Officer Assistant, Meredith Carr at email@example.com or 617-488-1491.
- 2021 Citizens of Excellence Award for Top 4%
- 2010-2022 President's Club for Top 10%
- 2021 Winner's Circle Award for Top Performers
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
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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!
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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.