Michael Bellotte Citizens One

Michael Bellotte

Sales Manager at Citizens One

NMLS ID #175368

Main Number
(443) 336-1632(443) 336-1632


888 Bestgate Rd.
Suite 525
Annapolis, MD 21401


(443) 336-1632(443) 336-1632
Fax Number
(844) 715-4953(844) 715-4953

About Us

About Me

With over 25 years helping customers with their home financing needs, I have the depth of experience and market insight to handle all aspects of home lending. I’m eager to share my expertise with my customers and pride myself on setting the right expectations, as well as being available whenever needed. I have a wide-ranging product expertise, with detailed knowledge of jumbo, construction, FHA and physician home financing options. I’m motivated by a desire to use my dynamic skill set to be the best in the industry. The satisfaction of assisting a home buyer to purchase a new home and complete the biggest investment of their life continues to drive me to succeed and grow.

Education & Certifications

  • B.S. in Business Finance from Towson University
  • Citizens One Construction-to-Permanent Certified
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About Citizens One

Our team of mortgage experts at Citizens One is committed to helping customers find the home loan solution that’s right for them. Citizens One is the National Lending Division for Citizens Bank, N.A., a bank 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.

Featured Products & Services

  • Fixed and adjustable rate mortgages
  • Affordable home financing programs
  • FHA/VA loan programs
  • Jumbo loans
  • Condo financing
  • Physician home loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Fast. Convenient. Easy. Apply Online Today.

Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

Get a 0.125% Mortgage Interest Rate Discount¹

Ask me how you can save money when you set up automatic payments from your checking account for your new Citizens One mortgage.

Mortgage Learning Center

We’re here to make sure you have the resources and solutions to help you reach your potential. Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a guide to help you learn more about mortgages and the home buying process.