Brian Winthrop - Citizens, Home Mortgage

A Veterans Administration (VA) Home Loan makes it easier for Veterans and active-duty Servicemembers to achieve their dreams of owning a home.

How does it work? The VA guarantees a portion of the loan, which can provide the borrower with more favorable terms. Benefits of a VA Home Loan include:

✔️ Up to 100% financing*
✔️ Competitive interest rates
✔️ No monthly mortgage insurance
✔️ A seller contribution maximum of 4%
✔️ No prepayment penalty

Contact me to learn more!

*To be eligible, a veteran must have a Certificate of Eligibility with sufficient “entitlement” to cover the loan guarantee. All loans are subject to approval.

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Happy Father's Day! 🎉 🎈 🎊 ✨ 🥇

Thank you from your dedicated Citizens team:
• Fred Grisé, Mortgage Loan Officer, NMLS ID # 624261
• Brian Winthrop, Mortgage Loan Officer, NMLS ID # 2152205
• Matthew Indelicato, HM Loan Officer Assistant, NMLS ID # 964331
• Bonny Cheung, HM Loan Officer Assistant, NMLS ID # 741224

Happy Father's Day! 🎉 🎈 🎊 ✨ 🥇

Thank you from your dedicated Citizens team:
• Brian Winthrop, Mortgage Loan Officer, NMLS ID # 2152205
• Fred Grisé, Mortgage Loan Officer, NMLS ID # 624261
• Matthew Indelicato, HM Loan Officer Assistant, NMLS ID # 964331
• Bonny Cheung, HM Loan Officer Assistant, NMLS ID # 741224

In the market for your dream home? Let’s chat about how you can make that dream a reality via your loan options and a strong buyer positioning. 💪💰

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

How are you celebrating month?

Whether you’re inviting your neighbors over for a BBQ or tending your garden, I hope you take this time to appreciate all the hard work that goes into homeownership.

Looking to give back? The National Fair Housing Alliance is a great place to start: https://nationalfairhousing.org/

Interested to learn about home financing? Contact me today to learn about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Citizens Retail Home Mortgage is excited to offer a lender-funded grant of up to $10,000 toward closing cost and down payment assistance for eligible first-time homebuyers that currently reside in these census metro areas:

- Baltimore-Columbia-Townson, MD
- Detroit-Warren-Dearborn, MI
- Philadelphia-Camden-Wilmington, PA-NJ-DE

Other program features include:
- No income restrictions
- Repayment is not required
- A lender credit for the appraisal fee - up to $500
- A lender credit for the first year of the home warranty cost - up to $500. Funds are limited and eligibility requirements apply. Contact me for details!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Have you heard of a jumbo loan?

A jumbo loan allows you to purchase a home that exceeds the federal loan limit of a traditional (conforming) loan. Jumbo loans can be used for primary residences, investment properties and vacation homes. Rates, requirements, and underwriting guidelines differ from that of a traditional loan.

I’d be happy to walk you through the details! Feel free to direct message me to learn more and to explore your home loan options!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Citizens is proud to offer affordable mortgage programs designed for first-time homebuyers. Features of these loan programs may include below-market interest rates, low minimum down payment requirements, down payment assistance, and closing costs assistance.

Eligibility requirements apply.

Contact me for details and to explore your options!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Homeownership is more than having a place to call your own, it’s a cornerstone of financial growth and a key to building generational wealth. Investing in a home today lays the foundation for a secure future for your family for years to come – and I’m here to help you navigate your homeownership journey.

Citizens is proud to be a participating lender for the Police and Firemen's Retirement System (PFRS) Mortgage Program. The Program is administered by the NJ Housing and Mortgage Finance Agency, a state agency that is responsible for providing affordable housing options for New Jersey residents.

Eligible borrowers include active members of the New Jersey PFRS with at least one year of creditable service. Other program restrictions apply, and all loans are subject to approval.

Contact me for the current rate and to learn more about this wonderful loan program!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Need a larger loan amount to purchase your dream home than a traditional (conforming) loan? Contact me to discuss jumbo financing options.

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Are you a Citizens Private Client™ customer? Then you may be eligible for mortgage interest rate discounts!

Contact me to learn more about Citizens Private Client™ mortgage relationship pricing.

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

At Citizens, we make home possible.

As a mortgage professional with Citizens, I am incredibly proud that our organization has been recognized for fastest growth in the national division by the one and only Freddie Mac.

Ask me about what it’s like to work in an award winning line of business at an award winning company.

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

House hunting this weekend? Best practice is to get pre-approved so when you find your dream home, you have the backing to FUND your dream home. Let me put my expertise to work and help you understand the multitude of loan options available.

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Time to call in the professionals for your home improvement projects? Let’s talk about your financing options!

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

You have numerous mortgage loan options to consider when purchasing a home. There are certain instances where an interest-only loan may be a good fit, such as:

✅ You need additional cash flow for other expenses or to pay off debt
✅ You are purchasing the home as a short-term investment
✅ You plan to refinance after a short period of time
✅ You are only paid a few times a year on commission
✅ You expect to have a substantial salary increase in the coming years
✅ You expect to come into money before the interest-only period ends

Contact me to learn more about interest-only loans and to discuss your specific home buying needs.

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

🇺🇸 Memorial Day: A Commemoration 🇺🇸

A day of remembrance to honor all those who have died in service to the United States during peace and war.

National Cemetery Administration
https://lnkd.in/eexy6AnH



Thank you from your dedicated Citizens team:
• Brian Winthrop, Mortgage Loan Officer, NMLS ID # 2152205
• Fred Grisé, Mortgage Loan Officer, NMLS ID # 624261
• Matthew J Indelicato, HM Loan Officer Assistant, NMLS ID # 964331
• Bonny Cheung, HM Loan Officer Assistant, NMLS ID # 741224

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Are you a Veteran or active-duty Service member and planning to buy a home? Citizens is proud to offer VA Home Loans for qualified borrowers. A VA Home Loan offers flexible terms, a competitive rate, and financing up to 100% of the purchase price.*

Contact me to review the VA Home Loan benefits and eligibility requirements.

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop



*To be eligible, a veteran must have a Certificate of Eligibility with sufficient “entitlement” to cover the loan guarantee. All loans are subject to approval.

The Citizens Destination Home +™ program is designed to provide home mortgage resources and education to underserved communities. Through the program, Citizens will also leverage its suite of affordable home loan programs which feature:

✔ Up to $5,000 toward closing cost & down payment assistance
✔ Down payment as low as 3%
✔ No borrower paid mortgage insurance
✔ And more!

Contact me to learn more about this program and how you may qualify.

Realtors and builders: let’s connect and discuss how your customers may qualify!

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop





Citizens Destination Home +™ is available in specific markets within our footprint and is limited to owner-occupied principal residences. At least one borrower must qualify as a first-time homebuyer and is required to complete the homebuying education program. Borrower income limits and property location restrictions apply. Subject to availability of program funds.

Citizens offers a closing cost and down payment assistance program to qualified borrowers. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply. Grant funds may have tax implications and Citizens may issue an IRS Form 1099-M. Grant recipients should consult with a tax advisor.

Ask me about our special Doctor Loan mortgage program for physicians and dentists, as well as residents, fellows and interns, to find financing for your new home.*



Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

*The Citizens Doctor Loan is available to licensed Doctors of Medicine (MD), Doctors of Osteopathic Medicine (DO), Physician Scientist (MD PhD), Doctors of Dental Surgery (DDS), and Doctors of Dental Medicine (DMD) who have completed residency within the last ten years and to current medical professional residents, fellows and interns. Available in select states.

Nationwide, the typical home sold received 2-3 offers this year. Although it can feel uncomfortable to put in a bid that is above the asking price, the price appreciation can quickly compensate for the extra payment, and in the long-term, you own the home you wanted and are building long-term wealth through home equity. Ask me about my Bid Over Asking Price tool and I'll take you through the math!
https://www.mbshighway.com/gallery/BidOverAsk-5-2-2024-png

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Bid Over Asking Price Nationwide, the typical home sold received 2-3 offers this year. Although it can feel uncomfortable to put in a bid that is above the asking price, the price appreciation can quickly compensate for the extra payment, and in the long-term, you own the home you wanted and are building long-term wealth...

Citizens Retail Home Mortgage is excited to offer a lender-funded grant of up to $10,000 toward closing cost and down payment assistance for eligible first-time homebuyers that currently reside in applicable metro areas.

Other program features include:
✅ No income restrictions
✅ Repayment is not required
✅ A lender credit for the appraisal fee - up to $500
✅ A lender credit for the first year of the home warranty cost - up to $500

Funds are limited and eligibility requirements apply. Contact me for details!

Census metro areas (effective 11/18/23):
-Baltimore-Columbia-Townson, MD
-Detroit-Warren-Dearborn, MI
-Philadelphia-Camden-Wilmington, PA--NJ-DE
-Phoenix-Mesa-Chandler, AZ
-Riverside-San Bernardino-Ontario, CA
-Washington-Arlington-Alexandria, DC-VA-MD-WV
-Fort Lauderdale, FL
-Orlando-Kissimmee-Sanford, FL
-Tampa-St Petersburg-Clearwater, FL
-Atlanta, GA
-Chicago, IL
-St Louis, MO-IL
-New York-Newark-Jersey City, NY-NJ-PA
-Cleveland- Elyria, OH
-Oklahoma City, OK
-Memphis, TN
-Brownsville-Harlingen, TX
-Dallas-Fort Worth-Arlington, TX
-Houston-The Woodlands-Sugar Land, TX
-McAllen-Edinburg-Mission, TX
-San Antonio-New Braunfels, TX

*Grant funds may have tax implications to recipients and Citizens may issue an IRS Form 1099-M. Grant recipients should consult with a tax advisor.*

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

The Citizens Destination Home +™ program supports the homebuying process and beyond. Through the program, Citizens leverages its suite of affordable lending programs to help first-time homebuyers achieve their dream of homeownership. We also support borrowers and underserved communities through education, financial planning, and ongoing assistance to help them successfully manage the financial obligations of owning a home.

Contact me to learn more about this program and how you may qualify.

Realtors and builders: let’s connect and discuss how your customers may qualify!

Contact me today to learn more about the mortgage programs Citizens has to offer!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop



Citizens Destination Home +™ is available in specific markets within our footprint and is limited to owner-occupied principal residences. At least one borrower must qualify as a first-time homebuyer and is required to complete the homebuying education program. Borrower income limits and property location restrictions apply. Subject to availability of program funds.

Citizens offers a closing cost and down payment assistance program to qualified borrowers. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply. Grant funds may have tax implications and Citizens may issue an IRS Form 1099-M. Grant recipients should consult with a tax advisor.

Happy National Police Week! 🚓 👮 👮‍♂️ 🚔 🚨

Citizens is proud to be a participating lender for the Police and Firemen's Retirement System (PFRS) Mortgage Program. The Program is administered by the NJ Housing and Mortgage Finance Agency, a state agency that is responsible for providing affordable housing options for New Jersey residents.

Eligible borrowers include active members of the New Jersey PFRS with at least one year of creditable service. Other program restrictions apply, and all loans are subject to approval.

Contact me for the current rate and to learn more about this wonderful loan program!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

Thank you from your dedicated Citizens team:
• Brian Winthrop, Mortgage Loan Officer, NMLS ID # 2152205
• Fred Grisé, Mortgage Loan Officer, NMLS ID # 624261
• Matthew J Indelicato, HM Loan Officer Assistant, NMLS ID # 964331
• Bonny Cheung, HM Loan Officer Assistant, NMLS ID # 741224

Congratulations 🎉 to our buyers on the purchase of a Ranch Style Home in !

Wishing you joy and prosperity in your new home. 🏡

Thank you for the professional coordination to the Realtors:
✳️ Anthony Faso, Keller Williams Cherry Hill
✳️ Timothy Kerr, Keller Williams Realty Washington Realty Partners LLC

Thank you for a smooth closing to the Settlement Agent:
✳️ Leo Fortis Title Agency

Contact me today to learn more about Citizens’ closing cost assistance programs!

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop

♥️ HAPPY MOTHER'S DAY ♥️

The word/person "Mom" is very special to me. I am very thankful to have three incredible Moms in my life.

The Mom who raised me & my brother. 👩‍👦‍👦

The Mom who helps me raise our kids. 👨‍👩‍👧‍👧

The Mom who adopted me as their own (and now has the favorite son they always wanted 🤭).

All have the same loving qualities and have played such an instrumental role in mine and my children's lives.

THANK YOU - Mom, Natalie, Nana (AKA Philly Special), and all the Moms out there for everything you do!

💐 Happy Mother's Day! 💐

Brian Winthrop
Mortgage Loan Officer
NMLS ID # 2152205
Cell: 609.868.1639
Email: [email protected]
Website: lo.citizensbank.com/bwinthrop