Desirée Sheena - Loan Officer NMLS #171200

03/02/2026

Daylight savings kicks off Sunday, March 8.

Longer evenings are a great reminder of what makes a home feel like home: comfort, routines, and the little moments we make time for.

If you or someone you know is planning a move this spring, I’m always here as a resource. Contact me today.

Citizens

12/16/2025

09/05/2025

Saving for a mortgage can feel overwhelming—but Citizens is here to help. With affordable mortgage programs like HomeReady®, Destination Home Mortgage™, and Low Down Payment Solutions, we’re here to help inform and inspire qualified buyers to take the next step.

✅ Down payments as low as 3%
✅ Flexible underwriting & reduced mortgage insurance
✅ Community assistance & rate discounts available
✅ No income limits in eligible areas

Let’s talk about how these options can work for you or your clients.

Head to our site to learn more: https://www.citizensbank.com/loans/mortgage-affordability.aspx?ctzMode=CFG-SOO_SSS_MTG_CTZ_ECS_AFFORDABIL

10/17/2024

Experts say there is a possibility that the cooling economy could support lower interest rates, but warn about the dangers of waiting for the "perfect rate".

Soon after the Fed lowered interest rates last month, mortgage rates reached a 2024 low point, but the news has not been as good since.

10/03/2024

Good news for homebuyers - mortgage forecasters are anticipating more drops in 30-year mortgage rates by the end of the year.

Mortgage rates have dropped over the past year by more than 1 percent.

09/26/2024

Mortgage refinances surge 20% in the wake of the Fed rate cut.

Applications to refinance a home loan surged 20% last week compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index.

09/19/2024

The Federal Reserve has finally cut interest rates - what does this mean for your homebuying dreams?

The first rate cut in years will affect many types of consumer products. Here's what it means for credit cards, mortgage rates, auto loans and savings accounts.

09/12/2024

Experts say home listings are rising - and with it, prices are slowly improving.

Nationwide, active listings in August were up 36% compared with the same month last year, according to a new report from Realtor.com.

09/05/2024

As interest rates gradually go down, experts are seeing modest signs of homebuyer recovery.

Lower mortgage rates lead to uptick in applications

08/29/2024

Experts say potential homebuyers are holding off for the anticipated Fed rate drop before taking advantage of the current falling mortgage rates.

Homebuyers take the waiting approach despite falling mortgage rates

08/22/2024

Learn how to set yourself up for success ahead of the anticipated Fed rate cuts.

Many types of consumer loans and savings products will be impacted once the Fed starts lowering interest rates. Here's how to position yourself to benefit.