About Fred
With over two decades of experience in the mortgage and financial services industry, I am a dedicated residential mortgage loan officer committed to delivering exceptional service to both my clients and professional partners. My passion lies in helping homebuyers—from first-time buyers to high-net-worth individuals—navigate through the mortgage process with confidence and ease.
As a consistently top-producing loan officer at Citizens and previous institutions, I specialize in a wide range of mortgage products, including portfolio financing, new construction loans, conventional mortgages, and VA loans. Whether you’re purchasing your dream home, refinancing, or investing in real estate, my expertise ensures a smooth, tailored lending experience across metro New York City, northern New Jersey, and nationwide.
Beyond my professional life, I’m proud to call Monmouth County, NJ, home, where I live with my wife and daughter. We are active members of the Lincroft community, volunteering at events like the annual St. Leo’s Carnival and supporting local organizations such as Lunch Break, helping to provide for those in need.
My commitment to integrity, personalized service, and financial expertise sets me apart. I’m here to help you every step of the way—let’s make your homeownership goals a reality.
Awards
- 2024 President's Club
- 2024 Citizens of Excellence Winner
Connect With Me
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
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.