Wendy Kirchick

Wendy Kirchick

Senior Loan Officer at Citizens

NMLS ID #21472

Main Number
(617) 686-9066(617) 686-9066


99 High Street
Boston, MA 02110


(617) 686-9066(617) 686-9066
Mortgage Calculator
What Can I AffordUpcoming Events

About Us

About Me

Massachusetts is a wonderful place to live and choosing to buy or build a home here couldn’t be better. As a longtime resident of the Boston area, I am very familiar with the local real estate market and understand the unique housing needs of the region. With my role as a Senior Residential Mortgage Loan Officer, I have helped countless numbers of clients secure the financing that they need to purchase, renovate, build or refinance their dream home, vacation home or investment property.

In addition to financing residential properties throughout Massachusetts, I have assisted clients in many other states including, but not limited to, Vermont, New Hampshire, Maine, Connecticut, New York, Florida and California.

Prior to entering the mortgage field, I practiced as an attorney with several large Los Angeles, New York and D.C. based law firms. I graduated cum laude from Boston University School of law and went on to receive a Master of Laws Degree (LLM) with honors in Banking & Finance. With over 20 years of experience in both law and finance, I bring a wealth of knowledge to the table, providing my clients with a level of expertise that is truly unique in the industry.

I am also a passionate advocate for my clients, with a focus on providing outstanding customer service and the goal of leaving my clients with the peace of mind that results from doing my job well.

Over the years I have volunteered for many political, cultural, and charitable organizations that promote social justice, the arts, and animal rights. I believe that by volunteering I can help to make my community and the world a better place.

In my spare time I enjoy walking, going to movies, reading, skiing, travelling, and spending time with my daughter and three dogs.

Community Involvement
• Fenway Community Health
• GLAD – Equal Justice Council
• Keshet
• Human Rights Campaign – Federal Club
• Combined Jewish Philanthropies of Boston
• Temple Israel
• Family Equality Council

Education & Certifications

  • Boston University School of Law, Graduate Program in Banking & Financial Law, Master of Laws Degree (LL.M.) with high honors | Boston University School of Law, JD cum laude | University of Massachusetts, Amherst B.A. with honors

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

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
426 Boylston St
Boston, MA 02116
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 PM 9:00 AM - 12:00 PMClosed Today
212 Elm St
Somerville, MA 02144
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 PM 9:00 AM - 12:00 PMClosed Today
165 Needham St
Unit 307
Newton, MA 02464