Connie Litsis - Mortgage Loan Officer

Lynette Spinella is a highly experienced Mortgage Loan Officer based in Ramsey, NJ, with over 15 years of expertise in assisting borrowers with their home ownership needs. Whether clients are first-time homebuyers, looking to build or renovate their dream home, seasoned homeowners, or seeking to refinance an existing loan, Lynette provides personalized consultations to ensure clear understanding of options and the mortgage process, resulting in a superior borrower experience. With a strong focus on exceeding expectations and a business built on referrals, Lynette is dedicated to finding the best loan solutions to meet individual needs. Lynette Spinella offers a wide range of mortgage products, including affordable home programs, construction and renovation mortgages, conventional, jumbo, and portfolio mortgages, doctor and physician mortgages, FHA, VA, and USDA loans, fixed-rate and adjustable-rate mortgages, home equity loans and lines, and low down payment mortgages. With a commitment to providing straightforward and easy-to-understand products and advice, Lynette ensures that clients can make informed borrowing decisions that align with their current and future financial goals.Generated from the website

Patrick Nicholson is a dedicated and community-focused Mortgage Loan Officer based in Ramsey, NJ. With many years of experience, Patrick specializes in assisting first-time homebuyers and diverse customer segments in achieving their dream of homeownership. He offers a wide range of affordable mortgage products, including options for down payment assistance and closing cost leverage, ensuring that each borrower finds the best loan to meet their financial needs. Patrick takes pride in providing a legendary customer experience by offering regular communication and expert guidance throughout the mortgage process. His deep level of expertise and commitment to exceeding expectations have made him a trusted resource for both new and seasoned homeowners looking to purchase or refinance their homes.Generated from the website

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.