Thomas Pires - Mortgage Specialist - NMLS ID # 2363132

02/05/2023

As a , it is part of our culture to elevate voices and share stories that will strengthen our communities. This , the need to work together to forge a path that promotes success for Black individuals is vital.

This month and beyond, I am to share stories that inspire action and showcase the spirit and resilience in the Black community.

02/04/2023

Lower mortgage rates, stabilizing home prices, and climbing inventory spell a long overdue opportunity for homebuyers to jump into the market.

The 2023 housing market is gearing up to be "interesting," to say the least, according to January data on housing inventory, home prices, and other indicators.

02/03/2023

Whether you’re the buyer or the seller, the listing price isn’t the only number you should focus on. This is a very helpful guide to understanding commissions and fees, and who pays what.

A real estate agent commission is how most agents are paid for the homes they sell. Here's more on who pays this fee, closing costs, and more.

01/11/2023

Discouraged or confused by home loan interest rates? I’d love to talk about it and help you proceed with confidence.

01/08/2023

We know that saving enough for a down payment and closing costs to buy a home can be a challenge. The Citizens Destination Home Mortgage program makes it easier to buy a home with less money down.

This affordable home loan program features:
✅ Up to $10,000 in closing cost and down payment assistance*
✅ A low down payment requirement (as low as 3%)
✅ $500 credit when completing the first-time homebuyer education course
✅ Increased income limit when buying in a low- to moderate-income area
✅ No monthly private mortgage insurance premiums
✅ And more!

Destination Home Mortgage is available only in Citizens CRA Assessment areas and is limited to owner-occupied principal residences.

Contact me for full details!



*Grant to be used toward down payment, closing costs, and/or prepaids. Citizens offers a closing cost and down payment assistance program to qualified borrowers. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply.

01/07/2023

As part of our commitment to the Community Reinvestment Act, we are proud to offer the Destination Home Mortgage. This affordable home loan program features:

✅ Up to $10,000 in closing cost and down payment assistance*
✅ A low down payment requirement (as low as 3%)
✅ $500 credit when completing the first-time homebuyer education course
✅ Increased income limit when buying in a low- to moderate-income area
✅ No monthly private mortgage insurance premiums
✅ And more!

Destination Home Mortgage is available only in Citizens CRA Assessment areas and is limited to owner-occupied principal residences.

Contact me to explore our affordable loan programs!



*Grant to be used toward down payment, closing costs, and/or prepaids. Citizens offers a closing cost and down payment assistance program to qualified borrowers. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply.

01/03/2023

Only a few days behind, BUT
Wishing you and yours a safe, healthy, and prosperous new year!

I'm grateful for those I've been able to work with this past year, and I'm very excited to grow my business further!

12/22/2022

As we near the end of 2022, here’s a look at the expectations of real estate experts for 2023.

Pursuing sustainable solutions to address the nation’s housing affordability crisis will remain a priority in the new year.

12/21/2022

As 2022 comes to a close, home price growth is dropping, and mortgage interest rates dipped for the fifth week in a row. So what might happen for the rest of the month, and once 2023 officially rolls in?

As we count down to New Year's Eve, we reveal a significant change the real estate market hasn't seen in 49 weeks.

12/20/2022

Dreaming of your first home? Citizens offers affordable mortgage programs that could help you achieve your dream of becoming a homeowner.

Features of these loan programs may include:
✅ Below-market interest rates
✅ Low down payment requirements
✅ Down payment assistance
✅ Closing costs assistance

Let’s explore your options and review eligibility requirements!

12/15/2022

Realtor.com has compiled their most popular advice pieces of 2022, along with their best strategies that homebuyers can carry into the New Year.

Here's a roundup of our top stories on homebuying in 2022, each highlighted with a must-know tip we want to pass on as you head into 2023.