Carlos Salinas, Mortgage Loan Officer at Citizens NMLS 1236698

06/30/2023

Money can be a significant source of stress. We’ve got some tips for steps you can take to get a handle on your finances if you’re impacted by the coronavirus...

06/28/2023

Yes, a 20% down payment has its perks. But what other options do you have? Let me know if you want to learn more.

06/26/2023

Before you hit the streets with a realtor, you need to have a good sense of a realistic budget. Just how much house can you afford?

06/25/2023

You have numerous mortgage loan options to consider when purchasing a home. There are certain instances where an interest-only loan may be a good fit, such as:

✔️ You need additional cash flow for other expenses or to pay off debt
✔️ You are purchasing the home as a short-term investment
✔️ You plan to refinance after a short period of time
✔️ You are only paid a few times a year on commission
✔️ You expect to have a substantial salary increase in the coming years
✔️ You expect to come into money before the interest-only period ends

Contact me to learn more about interest-only loans and to discuss your specific homebuying needs.

06/23/2023

In the excitement of setting up your first house, it’s easy to overlook a few items that will truly come in handy. Here is a list of some must-haves.

Are you a first-time homeowner? Be sure you're not caught without these must-haves when you move in on Day One.

06/21/2023

A mortgage discount point is a fee you pay at closing to lower the interest rate on your home loan. This practice is also called a “rate buydown” or “buying down the rate.”

One discount point typically costs 1% of your total loan amount. For each discount point you buy, your interest rate will be reduced by a set percentage point. You are essentially prepaying interest so that you have less interest to pay over the term of your loan (or a specific amount of time), resulting in smaller monthly mortgage payments. Certain loan programs are not eligible for mortgage discount points and there is a cap on the number of points you can buy.

Contact me to discuss your home financing needs and to see if a rate buydown may be an option for you.

06/20/2023

Buying a home can be complicated. Here are some tips to help you understand and navigate the process. Citizens is proud to offer affordable mortgage programs designed for first-time homebuyers.

As a first-time homebuyer, the home buying process can be intimidating. Discover the things to know before buying a house to help you with the process.

05/29/2023

If you’re in the market to buy or sell your home, you may be eligible to earn a cash back reward of $350-$9,500. With Your Home Rewards from Citizens™️, offered in partnership with HomeStory, we’ll help you choose a top-rated real estate agent in your area. After the closing, HomeStory sends you a portion of your agent’s commission (based on the sale price) as a cash back reward.*

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!

05/27/2023

Citizens is pleased to announce changes to our Wealth Mortgage Relationship Pricing. Existing and new Citizens Wealth Management clients may be eligible for mortgage interest rate discounts. This relationship discount could be used for everything from refinancing your existing mortgage to purchasing a new primary or second home, or an investment property.

Contact me to learn more about Citizens’ Wealth Mortgage Relationship Pricing.

05/26/2023

With low mortgage rates and rising rent costs, buying a home is a popular option for unmarried millennial couples...

05/24/2023

Understanding and managing your credit score is important, especially when you're planning to buy a home. Here are some mistakes to avoid and ways to repair your credit.

Credit scores are a major factor in getting a mortgage. But, credit mistakes happen. Here's how to avoid some of the biggest ones.