Anna Molisse Citizens Mortgage Banker

05/13/2026

Big decisions deserve a second opinion, and buying a home is no exception.

If you’re house hunting and want another set of eyes on your mortgage options, I’m here to help you think through what’s available and what may align best with your goals.

Happy to be a resource and talk through next steps when you’re ready.

Contact me today.

Citizens

05/08/2026

House hunting often means making decisions quickly, but that doesn’t mean you have to do it alone.

I'm here to help as your mortgage professional with local expertise. If you are just getting started in your home search I can get you pre-qualified first so you can shop with confidence.

Contact me today to see how I can help: [link to LO website]

Citizens

04/02/2026

What is your DTI and what role does it play with your mortgage? Your debt-to-income ratio (DTI) is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.

Debt-to-Income ratio (DTI) is a percentage of how much you Owe to how much you Earn. A good DTI ratio is 36% or lower. See how you can improve your DTI to help secure favorable mortgage terms.

03/26/2026

A Mortgage Recast is a process that could help some borrowers lower their monthly mortgage payments. How does it work, though? Read on 👇

The borrower makes a lump sum payment (at least $5,000) toward the principal on their home loan. The loan is then recalculated based on the new, lower outstanding balance. Because the principal goes down, the monthly payment amount also goes down. Note that not all mortgage loans qualify for recasting.*

Contact me if you’d like to learn more about Citizens’ suite of loan products and services.



*Recasts can’t be performed on home equity lines of credit, FHA, VA, GNMA and USDA loans, interest-only loans, or select Bond/State housing programs. A recast requires at least $5,000 toward your principal and a processing fee (currently $150). Service is subject to change at any time.

03/25/2026

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!

03/18/2026

Great news for first-time buyers! At Citizens, we’re helping renters take the leap into homeownership by recognizing positive rental payment history in mortgage approvals.

If you or someone you know has been renting responsibly, this could be the key to unlocking your future home. Let’s connect and explore your options!

📲 https://lo.citizensbank.com/ny/white-plains/anna-molisse

03/11/2026

The homebuying process comes with a lot of choices, and it’s okay to ask questions along the way.

Contact me today to get pre-qualified for a mortgage so you can home shop with confidence. [link to LO website]

Citizens

03/04/2026

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

01/13/2026

🚀 Speed Up Your Mortgage Process with Asset Connectivity

At Citizens, we’re helping make homebuying faster and easier. With Asset Connectivity, clients can securely link their financial accounts during the online application—potentially saving time, reducing paperwork, and accelerating approvals*.

✅ Real-time verification of assets, income & employment
✅ Less paperwork—no need to gather bank statements
✅ Smarter insights, including rent history
✅ Secure & private—clients choose what to share
✅ Expanded verification for Social Security & VA income

Let’s help you get one step closer to home—faster.

📲 [Insert your contact info or website link]

*Verification is subject to third-party provider capabilities and loan program eligibility. Linking your accounts doesn’t guarantee full verification. Additional documentation may still be required.