With over 20 years of experience as a mortgage loan officer, I’ve had the privilege of helping countless families achieve their dream of homeownership. As a lifelong resident of Pennsylvania (Philadelphia is my home), I bring deep local knowledge and a personal commitment to serving my community with integrity, transparency, and care.

I specialize in a wide range of home loan solutions, including construction financing and affordable home loans for first time home buyers. As a certified construction loan expert and CRA loan officer, I’m equipped to help guide clients through even the most complex lending scenarios—whether you're building your dream home or buying your first home.

Family is at the heart of everything I do, so I understand how important it is to find the right home for you and your loved ones! I'm here to make your mortgage journey seamless, stress-free, and empowering—so you can concentrate on creating a future you’re proud to call your own.

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

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.

Easy Online Mortgage Application

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Citizens Mortgage Application Process

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