Existing Customers: For more information on COVID-19 related mortgage resources and solutions, click here.
Robert Nusgart Citizens One

Robert Nusgart

Loan Officer at Citizens

NMLS ID #204797

Main Number
(410) 245-3758(410) 245-3758


8840 Stanford Blvd
Suite 1800
Columbia, MD 21045


(410) 245-3758(410) 245-3758
Mortgage Calculator
What Can I Afford

About Us

About Me

For the last 30 years, I have built an extensive and varied background in the real estate industry in metro Baltimore area. I’ve held my real estate license, originated residential mortgages and have reported on the industry for one of the country’s largest newspapers as an assistant business editor for The Baltimore Sun. I entered the mortgage banking business in 2002, working for some of America’s largest lenders, where I achieved recognition as a top producer.

Simply, these varied experiences have given me a broad understanding and perspective on what can be a complex marketplace. Yet, I always strive to simplify the process for my clients and customers through straightforward conversation and common-sense solutions.

Over the years I am proud to have helped with the home financing needs for many professionals at Baltimore’s prestigious institutions, professional sporting organizations, universities, non-profits, and other institutions. A graduate of The Ohio State University, I am also an affiliate member of the Greater Baltimore Board of Realtors as well as serving as a board member on the Sales and Marketing Council of the Maryland Building Industry Association.

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
  • Second home and Investment property 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 Maxiumum Loan Amounts*
Loan Amount
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
Monthly Payments
Total Cost of Mortgage $400
Monthly Payments
Interest rate (%)
Loan term
Interest rate and loan term are both required. Loan term must be between 120 and 360 months.
You Could Borrow
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.