Aaron Ritter Citizens Bank NMLS 280562 Mortgage Loan officer

04/20/2026

04/14/2026

I’m proud to be recognized as a 2025 Citizens of Excellence colleague.

This recognition is reserved for a small group of sales and service colleagues across the company and reflects a deep commitment to customers, teammates, and the work we do every day.

This past year had its challenges, which makes this moment especially meaningful.

I’d like to thank my teammates at Citizens who set high standards, support one another, and keep raising the bar.

03/05/2026

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 at [link to LO page]

Citizens

01/12/2026

Join our Head of Mortgage Sales, Chace Gundlach, and Barry Habib, CEO of MBS Highway, for an exclusive webinar on the 2026 real estate market. You don’t want to miss their expert insights and actionable strategies to guide your clients confidently into the new year.

Reserve your spot today: https://www2.highway.ai/market-update-with-barry-habib-for-citizens-bank

Citizens

01/08/2026

Where are interest rates headed? Will home prices continue to rise? Get answers from industry leaders Barry Habib, CEO of MBS Highway, and Chace Gundlach, Head of Mortgage Sales at Citizens, in this upcoming webinar.

Register now: https://www2.highway.ai/market-update-with-barry-habib-for-citizens-bank

01/05/2026

As the market continues to shift, staying informed matters more than ever. Hear from Barry Habib and Chace Gundlach as they break down what to expect for rates and home prices in 2026.

Register now: https://www2.highway.ai/market-update-with-barry-habib-for-citizens-bank

08/22/2025

You go to your parents, your partner, friends and even your doctor for a second opinion on big decisions – so why not your mortgage lender? 🤷‍♂️🤷‍♀️

If you’ve already started your home buying journey but would like a second opinion on your mortgage options, contact me today. I can help you find the right financing solution to meet your unique needs.

Citizens offers:
✔️ Conventional, FHA, VA, and Jumbo loan products
✔️ Closing cost and down payment assistance programs (geographic and program restrictions may apply)
✔️ Lender paid mortgage insurance, an alternative to traditional monthly mortgage insurance requirements
✔️ Interest rate protection programs
✔️ Competitive rates

08/15/2025

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 home buying needs.

06/18/2025

Have you heard of a jumbo loan?

A jumbo loan allows you to purchase a home that exceeds the federal loan limit of a traditional (conforming) loan. Jumbo loans can be used for primary residences, investment properties and vacation homes. Rates, requirements, and underwriting guidelines differ from that of a traditional loan.

I’d be happy to walk you through the details! Feel free to direct message me to learn more and to explore your home loan options!