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Mike Zell Citizens One

Mike Zell

Loan Officer at Citizens One

NMLS ID #659539

Main Number
(703) 946-0957(703) 946-0957


3120 Fairview Park Drive
Falls Church, VA 22042


Main Number
(703) 245-3467(703) 245-3467
(703) 946-0957(703) 946-0957
Fax Number
(866) 384-7232(866) 384-7232

About Us

About Me

With over 31 years of experience in home lending, you can rely on me to listen to your needs before recommending possible mortgage solutions for your new home build, purchase or refinance. While I specialize in construction-to-permanent financing, it is my goal to assist you in finding the mortgage product that is right for your unique situation. I am committed to answering your questions, big or small, in a timely and expeditious manner.

Citizens One offers a full menu of home loan programs to suit just about everyone’s need. It is never too early to explore your options, get pre-qualified or just check rates, so contact me today!

Education & Certifications

  • 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
  • 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 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.