At Citizens Bank, we know that every borrower's situations in unique. That's why we offer a wide range of mortgage programs designed to meet you where you are - whether you need interest only options, a Jumbo Loan, 97% financing, or solutions for non-traditional income. The goal is to match you with the right program first... and deliver a competitive rate that supports your long term goals.

Hi, I'm Desiree Sheena! I've been helping people become homeowners since 2003, and I truly love what I do. I've worked with every type of buyer - no two situations are ever the same. My goal is simple: make the process smooth, stress-free, and tailored to you.

At Citizens Bank, I'm proud to offer a wide range of mortgage programs designed to fit the needs of today's buyer - from first-time homeowners to clients with unique income profiles. We provide fast turnaround times, including preapprovals within24 hours, and we work hard to issue commitment letters and clear files quickly so your transaction moves forward without delays. With flexible underwriting, common sense reviews, and ability to consider exception guidelines, I'm able to match buyers with solutions that truly work for their goals and timeline.

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