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Joseph Stanley Citizens Bank

Joseph Stanley

Sales Manager at Citizens Bank

NMLS ID #577842

Main Number
(248) 408-1125(248) 408-1125
Triangle

Address

445 S Livernois
Rochester Hills, MI 48307
US

Contact

Cell:
Mobile
(248) 408-1125(248) 408-1125
Fax:
Fax Number
(844) 206-6572(844) 206-6572
Email:joseph.stanley@citizensbank.com
Mortgage Calculator
What Can I Afford

About Us

About Me

As an experienced veteran of the home financing industry, I’ve been assisting customers with their home financing needs for more than 25 years. I take the time to listen to my clients and understand their goals before recommending the best mortgage programs to fit their needs.

I provide assistance to both seasoned homeowners and first-time home buyers, while specializing in construction-to-permanent financing, doctor loans and jumbo loans for higher-priced homes. I pride myself on providing exceptional customer service, making myself available to take calls and answer questions.

When you’re ready to start the loan application process or talk about your options, give me a call.

Education & Certifications

  • Citizens Bank Construction-to-Permanent Certified
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About Citizens Bank

Our team of mortgage experts at Citizens Bank is committed to helping customers find the home loan solution that’s right for them. Citizens Bank, N.A. 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 a 0.125% Mortgage Interest Rate Discount¹

Ask me how you could save money when you set up automatic payments from your Citizens Bank checking account 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 Maxiumum Loan Amounts*
Loan Amount
Interest rate (%)
Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
$400
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
$400
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 Bank 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 Bank 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 PM 9:00 AM - 12:00 PMClosed Today
14501 Gratiot Ave
Detroit, MI 48205
US