Citizens Bank - Anne Swane

Web Site: www.citizenslo.com/aswane
Location: Boston, MA
Contact: Anne Swane, NMLS ID# 697239
Phone:  603-944-2119

Email:  [email protected]

Anne SwaneA native of the seacoast of NH, Anne brought her accounting skill set and knowledge to the    mortgage industry 16 years ago. As a Senior Loan Officer she is keenly aware of the challenges faced by consumers and realtors; so will go the extra mile to insure the necessary tools and programs are in place to safeguard a successful transaction. As a member of the Citizens Bank President’s Club since 2008, and a winner of the Top Customer Service Award   based on the JD Powers customer service ratings, Anne has been recognized by Citizens Bank and her peers as a customer centric loan officer.  Assisting seasoned and first time homebuyers by providing the best home financing solution for their needs is the goal. 

In November 2015, Citizens Financial Group (NYSE: CFG) became a fully independent publicly-traded company, just over a year after the successful completion of the largest commercial bank initial public offering (IPO) in U.S. history. Citizens now embark on a new and exciting chapter as we aspire to become a top-performing regional bank. We continue to be a leader in the Jumbo mortgage area for our Medical profession community. 

Doctor Loan Program Features

  1. Available for RESIDENTS/FELLOWS and PRACTICING PHYSICIANS
  2. Up to 95% financing for loans to $850,000 / 89% to $1 Million / 85% to 1.5 Million Purchases & rate/term refinance
  3. Up to 89% on Construction to Permanent loans with 12 month lock & a one-time closing
  4. NO Private Mortgage Insurance Required
  5. Non US Citizens are eligible
  6. Borrowers must have completed residency within the last ten years, be a newly licensed Medical resident currently in residency, or about to begin new employment or residency within 60 days of closing
  7. Can use employment contract income and close on your home 60 days prior to employment start date
  8. Borrowers may also be self-employed physicians or physicians employed as a medical researcher by a major hospital.
  9. Student Loan Debt omitted in qualifying debt ratios if deferred at least 12 Months following closing. Ability to use IBR
  10. SPECIAL Banking Relationship Discount/ACH required thru a Citizens Bank Account
  11. Seller Contributions Allowed
  12. RECAST Option Available

AVAILABLE PRODUCTS INCLUDE


  1. 30yr, 20yr, 15yr and 10yr fixed rate loans, 3/1, 5/1, 7/1, and 10/1 ARMS (Adjustable Rate Mortgage Loans)
  2. 30yr amortization available on all ARMS.
  3. Interest only available up to 89% in conjunction with the 5 or 7 year ARMs

ELIGIBLE STATES INCLUDE

CT,DC,DE,IL,IN,KY,MA,MD,ME,MI,NC,NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV