I’m backed by the strength and stability of a leading national mortgage lender. It’s never too early to explore your mortgage options. I will provide personal service & expert guidance every turn making the mortgage process clear & understandable
John Perfetti, Jr. has more than 14 years of experience as a residential mortgage banker, John thoroughly understands the complexities of mortgage financing and can provide clients the information they need to make the best choice for their circumstances. He is known for providing top-notch service and communicating with his customers frequently at each stage of the loan process.
John specializes in Jumbo and Non-Conforming loan products, but confidently originates loans under all programs offered by Citizens Bank. He strives to serve all clients with efficiency, reliability and the utmost attention to detail. Above all, John feels privileged to be helping his clients achieve their dream of home ownership and assisting them in what is possibly the largest or most important purchase they may ever make. His greatest satisfaction comes from being of service to his customers with their home lending needs.
John earned his degree from Nassau Community College and Long Island University. He is a native of the Metro New York area and has a solid understanding of the markets he serves. John is an active member of his community and surrounding communities, serving on committees and volunteering his time for organizations such as Oyster Bay Little League, Pinktie.org (Real Estate Professionals Networking For A Cure) and Smile Farms (founded by 1800flowers).
John is very excited to be working with a mortgage lender that has a huge commitment to the real estate lending community and has a clear understanding of customer service. Citizens Bank, compared to many other lenders has a sensible approach to lending and offers a wide range of competitive mortgage products and serve the needs of its customers – from first-time buyers to seasoned homeowners. We offer:
• Jumbo loans up to $8 million
• Portfolio loans
• Financing for Primary homes, Second homes, Investment homes, Co-ops & Condos
• FNMA, VA, FHA
• Non-Warrantable Co-ops & Condos
• Physician (Dr.) Loans
• Combined 1st & 2nd mortgages up to 90%- No PMI)
• LPMI Loans
• Renovation Loans
• Construction to Permanent financing with one-time close
• Relationship pricing rate discounts (up to 3/8th discount off market rates)
• Expanded Guideline Exceptions
• Extended protection rate locks
• Corporate Affinity Discount Program
• And much more…..
Just as important, at Citizens Bank, I’m backed by the strength and stability of a leading national mortgage lender and I’m here and ready to help you. It’s never too early to explore your mortgage options, I look forward to providing personal service and expert guidance at every turn making the mortgage process clear and understandable, So contact John today!
Personal Giveback Program: *For every mortgage Loan I close for a customer, I personally donate a percentage back from my pocket to Cancer Charitable Research Organizations through PinkTie.org - *Pinktie is a Real Estate Networking for a Cure and a 100% pass-through organization
* Licensed Nationally (excluding HI & AK)
