Portrait of Josh Waddell
Joshua J Waddell
Mortgage Loan Officer
NMLS #: 2145657
Mortgage Products That Fit Almost Every Situation
Citizens Bank mortgage offers a wide selection of products that meet your needs. Not seeing a product that might help you or your customer? Contact us today to find out how much more we do!
Professional Program
For Doctors, Dentists, Attorneys, Veterinarians, and Chiropractors. Loans up to $750,000. Potential to exclude student loan debt.
Premier First Time Homebuyer
For well-qualified first -time homebuyers. No property ownership the last 3 years. Flexible loan terms. Only available for loans above 80% Loan-to-value
Community Heroes Program
For active duty or former military personnel, teachers, police, fire, nurses, and EMT/paramedics. Max LTV of up to 99%. Primary residence only. A special loan for very special people.
Jumbo Mortgages
A dream loan for a dream home. Max Loan to Value up to 90% for primary residence. Max loan amount of $1,750,000 above 80% Loan to Value.
Construction Loans
Build your dream home! Enjoy a full 12 months to build with interest only payments and then lock in your rate with flexible payment terms.
Premier Investor Portfolio
Purchase and invest in up to 5 properties. May include Commercial properties mortgaged and/or titled in customer's personal name. Use rental income to qualify.
Fannie Mae HOMEREADY
Low down payment loan with max Loan to Value of 97%. Income limit of 80% of Area Median Income.
Cash Out Refinances
Make use of your equity or combine mortgages on a single property to create a single monthly payment.
HELOC Bridge Loans
Use the equity in your current home to help you purchase your next home. Interest only payments with a full two years to sell your current home and pay off the loan
Meet Our
Mortgage Experts
Portrait of Wendy McClellan
Wendy McClellan
Mortgage Loan Officer
NMLS#: 137087
News & Updates
Creative idea concept with lock symbol and microcircuit illustration on modern laptop background. Protection and firewall concept. Multiexposure
Phishing Scams
Beware of the Bait Phishing scams try to lure account holders into providing personal or financial information to scammers posing as a legitimate business. These scams can be conducted by email, phone calls, text messages or social media. What You Can Do Be wary of emails, text messages or phone calls that request your confidential […]
Read MoreA woman on her laptop and she is smiling and waving to the laptop camera
Citizens Bank is Here for You
At Citizens Bank, we’re committed to keeping our local community informed. That’s why we’re ramping up our service to our community to include weekly blog posts educating readers on their finances. We’ll provide posts on important topics- from your personal finances, to your business, and everything in between. We’ve been putting our customers and our […]
Read MoreImage of a mom and her daughter sitting on a sofa as the daughter is adding coins to a piggy bank.
Start Them Young- Teaching Kids to Save
A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old. Which means teaching them the value of money as well as healthy habits around it has to start young. You still let kids be kids while instilling those healthy habits in fun and […]
Read More