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Citizens One Home Loans

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Citizens One Home Loans

Citizens One Home Loans is the mortgage-lending arm of Citizens Bank, the 12 th largest bank in the country, founded in 1826 out of Providence, RI. Senior Mortgage Loan Officer, Trippett Boineau, said, “We treat every loan, every customer, the same with the goal to get to closing with as few hassles, complications, and issues as we can.

Citizens One Home Loans Senior Mortgage Loan Officer, Trippett Boineau.

We have a good solid reputation for delivering on time and quality service as well.” Trippett has been in the industry since the first mortgage brokerage company came to South Carolina in 1981 and he is a current member of the Horry Georgetown Home Builders Association ( HGHBA ). Citizens has been offering Construction-to- Permanent loans for a long time, and since there is only one closing, this type of loan saves time and money. Here is a summary of Citizens One Home Loans distinguishing characteristics:

  • Choice of fixed rate loan or adjustable-rate mortgage (ARM)
  • Up to 90% financing on primary homes; 80% on second homes, and lot financing can be included in the loan
  • Borrower is only required to make interest payments during construction (calculated on dispersed funds)
  • Interest rate is locked in upfront for 60 days and borrowers have 12 months to build
  • Once interest rate is locked, the rate stays the same for the life of the loan
  • Loans are available to renovate an existing home, including tear downs to rebuild
  • Citizens does not sell their loans, they keep and service everything they do within the Citizens’ footprint

In terms of choosing the right bank or mortgage company, Trippett advises consumers to check the background of the lender and their reputation among the Realtor and builder community; ask about rate locks and the time it is guaranteed; check the fees on a loan, and ask for the start-to- finish closing time; learn who will service the loan. Trippett Boineau observed that the health of the housing market is excellent. He said, “In terms of transactions, we have returned to 2004 levels.” He gives credit to the medical industry and all the new medical facilities being built to accommodate the ever-growing retiree population. Citizens even has a loan product tailored especially for medical professionals.

For further information contact Trippett Boineau at (843) 450-8903 or email Trippett.Boineau@CitizensOne.com. Learn more by visiting www.Citizenslo.com/TBoineau.

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