Advisor Photo

Brian Winthrop

Mortgage Loan Officer at Citizens

NMLS ID #2152205

Main Number
(609) 868-1639(609) 868-1639

Address

400 Lippincott Dr.
Suite 100
Marlton, NJ 08053
US
Bank Branches Served
Mortgage Calculator
What Can I Afford

About Brian

My foundation in the mortgage industry is not a typical path for a mortgage loan officer. From 2012 to 2018, I was a mortgage underwriter where I reviewed our exception-level loans and trained other underwriters. I was then offered a position in Project Management to spearhead the underwriting design for a new originations platform. It made sense to take my underwriting background and knowledge over to the customer-facing side as a loan officer. This has yielded tremendous results for my customers and referral partners in the way of optimal loan structuring and seamless transactions. I strive to deliver a concierge-like experience with the key being quick and efficient communication to ensure all parties are educated and informed throughout the process.

I am thankful to be married to my best friend, Natalie, and together we are fortunate to be the parents of three beautiful girls (#girldad). I enjoy spending time with my family and improving on myself as a person/husband/father/friend each day. I love helping others which is why “work” is not really work for me since I am supporting people daily with major life decisions involving buying, building, renovating, or refinancing a home.

I appreciate the opportunity to assist you with a home purchase, refinance, or construction/renovation project.

Connect With Me

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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

Are you a Police Officer or Firefighter in NJ?
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Are you a Police Officer or Firefighter in NJ?
Mortgage Interest Rate 5.49%, 30 Year Fixed (5.561% APR)**
Citizens proudly participates in a mortgage program just for you!

In partnership with the New Jersey Housing Mortgage Finance Agency (NJHMFA) Police and Firemen's Retirement System (PFRS), we are pleased to offer an affordable mortgage program to help assist New Jersey firefighters and police officers with a home purchase. Contact me to see if you qualify.

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

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
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 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 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
3100 Route 38
Mount Laurel, NJ 08054
US
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 PM 9:00 AM - 12:00 PMClosed Today
2030 Rte 70 W
Cherry Hill, NJ 08002
US
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 PM 9:00 AM - 12:00 PMClosed Today
980 State Hwy 73
Marlton, NJ 08053
US
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 PM 9:00 AM - 12:00 PMClosed Today
131 White Horse Pike
Haddon Heights, NJ 08035
US