Anna Molisse Citizens Mortgage Banker

09/03/2026

Labor Day weekend is here.

It makes me feel like summer is almost over.

Before we turn the page to a new season, I hope you have a chance to enjoy the weather, places, and moments that matter most.

Any fun plans ahead?

09/01/2026

Ready to build your dream home? With Citizens’ Construction-to-Permanent Loan, you can simplify financing from groundbreaking to move-in day—all in one seamless solution. Learn how we support your journey from blueprint to home sweet home.

http://spr.ly/6001AzIEv

09/01/2026

Whether you're buying your first home or exploring new options, Citizens offers a range of home financing programs designed to support your journey.

Check out our featured products & services on my website: lo.citizensbank.com/

07/07/2026

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!

07/02/2026

Summer is the season for home upgrades.

I’ve been having a lot of conversations lately around energy-efficient updates.

Not just for the bills, but for how a home actually feels day to day, especially this time of year.

It doesn’t have to be a major renovation. Even smaller updates can make a noticeable difference over time.

This guide has a few ideas across different budgets that are worth a look: https://www.citizensbank.com/learning/energy-efficient-home-improvements-for-every-budget.aspx

If you want to talk through options or just get a second opinion, I’m happy to connect.

Citizens

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.