Frank Swartz, Sr. Loan Advisor, NMLS 406422

03/06/2025

Spring forward into homeownership! With longer daylight hours, you have more time to tour homes, envision your future space in natural light, and make the most of the busy real estate season.

02/14/2025

Green has never looked better! 💚 This , why not show some love to another important relationship in your life—your home finances.

Ready to love your money?

01/17/2025

To celebrate Martin Luther King Jr., we honor his life, legacy and unwavering commitment to justice, peace and equality for all people.

Join us in embodying his mission of achieving meaningful change, and learn how we celebrate his work year-round through our arts and culture community partnerships: https://www.citizensbank.com/about-us/community/citizens-impact/fostering-positive-social-change-through-arts.aspx?ctzMode=CFG-SOC_FBK_EDT_CTZ_ECS_MLK2025

01/02/2025

The Federal Housing Finance Agency (FHFA) announced the new maximum conforming loan limits for 2025, but what does that mean for you?

It means you have more home purchasing power than you think. Not only that, if your loan is below the FHFA’s maximum limit, you could see lower interest rates.

Here’s how it looks for 2025:

1 unit: $806,500
2 units: $1,032,650
3 units: $1,248,150
4 units: $1,551,250

Curious about how this could impact your homebuying plans? Let’s talk!

12/10/2024

Did you know you can purchase an investment property with a limited liability company (LLC)? This specialty financing option is not offered by all lenders, but here at Citizens, we can hold the title in a LLC which may provide increased protection and tax benefits.*

I’m here to help you find the right solution to meet your needs.



*Consult with a tax advisor

12/05/2024

Interest rates are falling and homebuyers are taking note - mortgage demand jumped 6% in the last week!

Potential homebuyers are responding to lower mortgage rates and a higher supply of homes for sale.

10/30/2024

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.