Danielle Kraft

Loan Officer at Citizens

NMLS ID #784802

Main Number

(516) 398-2577(516) 398-2577

Apply Now Request Appointment

Address

48 South Service Road

Suite 220

Melville

NY 11747

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Contact

Cell:

Mobile

(516) 398-2577(516) 398-2577

Fax:

Fax Number

(844) 362-3768(844) 362-3768

Email:danielle.kraft@citizensbank.com

Mortgage Calculator

What Can I Afford

About Danielle

New York is a wonderful place to live, and choosing to buy or build a home here couldn’t be better. While financing a home is something that most people do only a few times in their lives, helping people achieve their dream of homeownership is my passion.

I have years of experience as a residential mortgage loan officer and am very knowledgeable about a variety of loan programs. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer your questions, big or small.

Throughout my career, I’ve helped my clients secure the financing they need to purchase, renovate, build, or refinance their dream home. Because my business is built on referrals, my goal is to make your mortgage experience a great one!

Awards

2018-2023 President's Club 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

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.

*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.