Carlos L Raposo-Chase Home Lending Advisor-NMLS ID 1591375

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.

Michael proudly serves clients in the Scarsdale, NY area. Michael has 23 years of experience as a Senior Home Lending Advisor II CPC and specializes in preapproval, lending to self-employed clients, fixed-rate mortgages, adjustable-rate mortgages, vacation home financing, and FHA and VA mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Michael is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Michael can help you get a clear picture of what might work best for you. Michael will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Michael wants to ensure that you have a positive home lending experience.

Mike proudly serves clients in the Bronxville, NY area. Mike has 21 years of experience as a Senior Home Lending Advisor and specializes in pre-qualification, FHA mortgages, VA mortgages, condo and co-op lending, first-time homebuyer programs, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Mike is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Mike can help you get a clear picture of what might work best for you. Mike will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Mike wants to ensure that you have a positive home lending experience.