Citizens Direct was founded in May 2008 during a time when many other mortgage companies were radically down-sizing or even closing. We saw the need to assist homeowners when no one else seemed interested in helping. This usual lending environment and the obvious need from customers to get help was the inspiration for our name, Citizens Direct.
Citizens Direct has filled the void left by other companies and is enjoying success and a loyal group of customers to build a customer oriented business. We believe that as long as our focus is on the customer we will continue to best serve the consumers needs and be successful even when other are closing their doors.
While others pride themselves in their technology, auto attendant telephone systems and other system to keep the customer at arms length we believe we have a different focus. Our desire is to develop a relationship with every customer and assist each of them in dealing with their needs in these chaotic times. We pledge that your calls will always be answered and handled by a living breathing human being. You will never have to “press 1” to find out the status of your loan.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154