Michael Lozupone Mortgage Loan Officer NMLS Id#686949

04/13/2023

The modern open house concept hasn’t strayed too far from where it all began over a century ago. Here is a brief and interesting history of how the open house came to be.

How did open houses become the standard in American real estate? Whose idea was it? And when, exactly, did we begin tromping through strangers' homes?

04/06/2023

Walk-throughs can be an awkward, stressful process, especially for first-time homebuyers. Learn what to look for on your last trip through the house before the seller hands over the keys.

Keep your eyes open! Here's what to look for on your last walk-through of the house before the sellers hand over the keys.

04/06/2023

Working in today’s tough real estate market demands you are at the top of your game. Join me on Thursday, April 27 at 10:30AM ET for Citizens Home Mortgage Power Hour Webinar with Tom Ferry. Tom Ferry is the #1 ranked Real Estate Educator by Swanepoel Power 200, founder & CEO of Ferry International, and best selling author. Tom will focus on impactful strategies that can take your business to new heights. Don’t miss this opportunity to learn from the best!

This is a live webinar and there's no cost to attend! Be sure to tag and share with your real estate colleagues and REGISTER HERE >> bit.ly/PowerHourApril27

04/05/2023

Citizens has partnered with HomeStory to offer eligible customers a cash back reward when buying or selling their home. Once you enroll you can select from several qualified local real estate agents in the network. Close on a home purchase and/or sale with a HomeStory agent and you’ll receive between $350 to $9,500 cash back, depending on the sale price of the home.*

Contact me so I can send you an invitation to enroll!

View more details and eligibility guidelines here https://citizens.homestory.co/.

Great agents, big rewards. Find your next home with Your Home Rewards from Citizens Bank™ to get a top agent and up to $6,500 back!

04/04/2023

We know that saving enough for a down payment and closing costs to buy a home can be a challenge. The Citizens Destination Home Mortgage program makes it easier to buy a home with less money down.

This affordable home loan program features:
✅ Up to $10,000 in closing cost and down payment assistance*
✅ A low down payment requirement (as low as 3%)
✅ $500 credit when completing the first-time homebuyer education course
✅ Increased income limit when buying in a low- to moderate-income area
✅ No monthly private mortgage insurance premiums
✅ And more!

Destination Home Mortgage is available only in Citizens CRA Assessment areas and is limited to owner-occupied principal residences.

Contact me for full details!



*Grant to be used toward down payment, closing costs, and/or prepaids. Citizens offers a closing cost and down payment assistance program to qualified borrowers. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply.

03/30/2023

Warmer weather is just around the corner. Here are some ideas to help you make the most of your outdoor spaces.

Easily upgrade your backyard in time for warmer weather, with these space-enhancing ideas from the decor professionals.

03/30/2023

If you’re hoping to buy a home, one number you’ll want to get to know well is your credit score. Your credit score will play an important role in how much you pay over the life of your mortgage. Here are some ways to stay on top of your score.

Are you a first-time home buyer wondering how to improve your credit score? If you need a mortgage, a good FICO score is crucial—and something you control.

03/29/2023

03/23/2023

You found your dream home but it's sale pending. But what does sale pending mean? There's still a chance for you—here's how to improve your odds.

You found your dream home but it's sale pending. But what does sale pending mean? There's still a chance for you—here's how to improve your odds.

03/23/2023

Home purchase demand is thawing from the winter months. Home prices, inventory, and interest rates will be hot topics for homebuyers.