Michael Bellotte Citizens One

Michael Bellotte

Sales Manager at Citizens

NMLS ID #175368

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

Address

888 Bestgate Rd.
Suite 419
Annapolis, MD 21401
US

Contact

Cell:
Mobile
(443) 336-1632(443) 336-1632
Fax:
Fax Number
(844) 715-4953(844) 715-4953
Email:Michael.Bellotte@citizensbank.com
Mortgage Calculator
What Can I Afford

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

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. We offer a variety of programs: affordable home loans, government loans, jumbo financing, new home construction-to-permanent financing, and more. 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 0.125% Mortgage Interest Rate Discount

Ask me how you could save money when you set up automatic payments from your checking account and enroll in electronic billing statements for your new home loan.

Mortgage Calculator
This simple purchase mortgage calculator is an illustrative tool to help you estimate what your monthly mortgage payment could be when shopping for a home. You can adjust your loan amounts, interest rate and loan term to see how much your payment might change. It’s important to know that your specific interest rate will depend on your overall credit profile including your credit score, income, and debt-to-income ratio (the sum of all of your debts and new mortgage payment divided by your gross monthly income). I am happy to help explain the details and all the different product options we have available so you have a more definitive idea of how much house you can afford.
Calculate Your Monthly Payments*
Calculate Your Maximum Loan Amounts*
Loan Amount
Interest rate (%)
Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
$400
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
Loan term
Calculate
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
$400
Total Cost of Mortgage $400
*Disclosure: The above tool estimates potential fixed rate monthly mortgage payments for purchase transactions and does not include property taxes, homeowners’ hazard insurance, mortgage insurance, flood insurance, homeowners association fees, closing costs or any other related monthly fees. This calculator is intended for informational purposes only and accuracy is not guaranteed. This calculator does not assure the availability of or your eligibility for any specific product offered by Citizens or its affiliates, nor does the calculator predict or guarantee the actual rate. You are viewing a third party created calculator and as such, Citizens assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.

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.