Christopher Masiello Citizens Bank

Christopher Masiello

Loan Officer at Citizens

NMLS ID #761074

Main Number
(617) 230-4160(617) 230-4160


10 State St.
Newburyport, MA 01950


Main Number
(978) 462-1428(978) 462-1428
(617) 230-4160(617) 230-4160
Fax Number
(844) 276-2327(844) 276-2327
Mortgage Calculator
What Can I Afford

About Christopher

In my 15th year assisting clients with their home financing needs, I am honored to help you with your home loan. I’ve been consistently ranked among the top producers in the company, having achieved President’s Club status with Citizens Bank 2017 - today. While specializing in jumbo mortgages and physician home loans, I’m equally well-versed in all Citizens mortgage products. So whether you are buying, building or refinancing, we’ll have a financing solution for your unique situation.

Citizens offers a variety of mortgage products, competitive pricing, and industry leading Wealth relationship options. Our team believes that each customer deserves individualized attention throughout the financing process. And while buying a home is one of the most important financial transactions you’ll ever make, we think a positive fun environment is important too. A majority of our clients are repeat customers or have referred us to family/friends/co-workers. Referrals from previous clients are truly the best compliment we can receive.

Whether you’re shopping for your first home, looking to buy a second home in the mountains or at the beach, considering an investment property or thinking about a mortgage refinance, give me a call or drop me an email. I’ll gladly walk you through your options.



  • 2018-2023 President's Club Winner

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
  • 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.

Bank Branches Served

Citizens - Banking & Wealth Center 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
99 High Street
Boston, MA 02110
Citizens Supermarket Branch 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 5:00 PM 10:00 AM - 3:00 PMClosed Today
100 Macy St
Amesbury, MA 01913
Citizens 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
338 Congress Street
Boston, MA 02210