Yelena Davydova Citizens Bank

06/29/2026

Every home has a story behind it, and every journey starts somewhere.

If homeownership is something you're thinking about, learning a bit more can go a long way.

💬 Happy to chat if you ever want to talk things through.

Citizens

06/23/2026

When buying a home, you’ll need funds for multiple expenses, which can make the process feel complicated.

Getting a mortgage doesn’t have to be stressful, though, especially when you understand the steps involved.

I’m sharing this step by step home buying guide in case it’s helpful: https://www.citizensbank.com/learning/home-buying-guide.aspx

Start off your homebuying journey on the right foot and familiarize yourself with the process with this step-by-step guide for how to buy a house.

06/16/2026

Understanding different types of mortgage loans is often one of the first questions people have when exploring homeownership.

This article provides a clear overview of common mortgage options and how they generally work. Check it out: https://www.citizensbank.com/learning/mortgage-loan-types.aspx

The 5 main types of mortgage loans are — conventional loans, jumbo loans, government loans, fixed-rate loans and adjustable-rate loans. Learn the pros and cons of each at Citizens.

05/22/2026

Citizens Retail Home Mortgage is excited to offer a lender-funded grant of up to $10,000 toward closing cost and down payment assistance for eligible first-time homebuyers that currently reside in applicable metro areas.*

Other program features include:
✅ No income restrictions
✅ Repayment is not required
✅ A lender credit for the appraisal fee - up to $500
✅ A lender credit for the first year of the home warranty cost - up to $500

Funds are limited and eligibility requirements apply. Contact me for details!

Census metro areas (effective 11/18/23):
-Baltimore-Columbia-Townson, MD
-Detroit-Warren-Dearborn, MI
-Philadelphia-Camden-Wilmington, PA--NJ-DE
-Phoenix-Mesa-Chandler, AZ
-Riverside-San Bernardino-Ontario, CA
-Washington-Arlington-Alexandria, DC-VA-MD-WV
-Fort Lauderdale, FL
-Orlando-Kissimmee-Sanford, FL
-Tampa-St Petersburg-Clearwater, FL
-Atlanta, GA
-Chicago, IL
-St Louis, MO-IL
-New York-Newark-Jersey City, NY-NJ-PA
-Cleveland- Elyria, OH
-Oklahoma City, OK
-Memphis, TN
-Brownsville-Harlingen, TX
-Dallas-Fort Worth-Arlington, TX
-Houston-The Woodlands-Sugar Land, TX
-McAllen-Edinburg-Mission, TX
-San Antonio-New Braunfels, TX

*Grant funds may have tax implications to recipients and Citizens may issue an IRS Form 1099-M. Grant recipients should consult with a tax advisor.

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

12/10/2025

Buying a home is one of the most important decisions you’ll make in your lifetime. Before you start looking, you’ll want to understand your loan options. I am happy to walk you through the mortgage process, so you can feel prepared and confident.

08/29/2025

Long holiday weekends like this are perfect for recharging and reflecting on the journey—whether it's building a family, growing your career or finding the perfect home. Here's to celebrating progress, big and small. 🏡

07/04/2025

From all of us at Citizens, we wish everyone a happy and safe Independence Day! 🎆

05/26/2025

You don’t have to know every finance term ever invented to be smart with your money – especially if you’re building a custom home. I’m here to help make sense of your loan options in a language you understand.

05/26/2025

Are you in a position to buy a home for a family member that may not be able to afford it or have the credit to buy one? We have a portfolio loan for that!

Our Family Loan allows you to purchase a home for an immediate family member* and still get an owner-occupied rate.

Contact me to learn more and to review the eligibility requirements.



*Immediate family member is per HUD’s definition of Family Member. To qualify for Family Loan rates, your home purchase must meet specific terms and conditions regarding the purpose of the mortgage, the property type, financing terms, and occupancy.