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 nations 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 well provide answers and insights to guide you through the process, from application to closing.
Our 3 Pillars of Our Execution 1. Elite Capital Solutions: We don’t just provide loans; we provide leverage. We specialize in the complex financial profiles of high-net-worth individuals, from intricate K-1 tax returns to RSU income. As your strategic partner, we ensure even the most technical multi-family deals reach the closing table without the “bait-and-switch” of retail banking. 2. Velocity of Capital: For the investor treating real estate as a business, time is a finite resource. We leverage high-end technology and streamlined underwriting to process large 1-8 unit loans with maximum efficiency. Our accelerated timeline allows you to move from “discovery” to “closed” faster, freeing up your capital to scale your portfolio without the red tape of traditional retail banks 3. Tactical Problem Solving: From ITIN and DSCR to complex Jumbo loans and Non-Warrantable Condos, we structure the complex Massachusetts real estate financing that generic retail banks simply do not understand.
Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution thats right for them. Citizens is one of the nations oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needsbuying a home, building a home, or refinancing an existing mortgagewell provide answers and insights to guide you through the process, from application to closing.
Eric Kuharich is your Cambridge local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Eric is committed to helping homeowners with home purchase loans and refinances. Contact Eric at (508) 259-6611 for more information!
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Residential home loans | Refinancing | Commercial real estate loans
Joseph Smith is celebrating his 30th anniversary as a mortgage originator serving the greater Boston area. He has consistently been a top originator in the country funding over $327 Million in residential home loans in 2021. He is consistently acclaimed for his industry knowledge, outstanding customer service and ability to get deals done. Real estate professionals throughout the Boston area know and rely on Joe to assist in getting deals accepted and getting to the closing table. His pre-approvals are invariably looked upon as being as good as a cash deal. Joe has put together an amazing team of mortgage professionals who have collectively been with him over 50 years and support him and his clients.Joe graduated from USC with a BS and MS in Engineering and graduated from Bentley University with an MBA in finance. Easy deals are great, but it is the hard deals that allow him to use his educational problem-solving skills coupled with his 30 years of mortgage experience to come up with mortgage solutions that others didnt think possible.Giving back to the community is important for Joe. He and his family live in Brookline and are involved in many organizations including Bridge Over Troubled Waters, Victory Programs, GLAD and The Trevor Project. NMLS: 481139, Branch NMLS: 2426825
