ATTENTION First-Time Home Buyers and Jumbo Loan Seekers
First Home, First Step—Get Help with Your Down Payment and Closing Costs!
Whether you're buying your first home or a luxury property, I’ll make the mortgage process simple, clear, and stress-free—no matter your financial situation or questions.
- Mortgage Loan Officer since 1997
- 150+ 5 Star Reviews
- Licensed in all 50 states
Frank Swartz, Mortgage Loan Officer
NMLS ID #406422
Just 4 Simple Steps!
Determine Eligibility
The first step is determining your eligibility. This involves partnering with a trusted loan officer, gathering the necessary documentation, and getting pre-approved for a home loan.
Find Your Dream Home
With pre-approval in hand, you can start looking for a home. Once you find a your home, you'll make an offer, negotiate with the seller.
Get Loan Processed
After your offer is accepted, the loan process begins. This includes an appraisal and the lender's underwriting process where your loan is finalized.
Close & Celebrate!
The final step is the closing, where you'll sign your paperwork, finalize the loan, and take ownership. Congratulations! It's time to celebrate!
We loved working with Frank. Frank walked us through the whole process and even got on the phone with my mom to help explain bits and pieces. He was very nice and patient throughout everything and I would definitely work with him again.
-Kealy S
Why Frank Swartz For Your Home Loan Financing?
Experience and Expertise
Frank Swartz has been in mortgage lending for over 25 years and is one of the top-producing loan officers at Citizens Bank, known for helping clients secure the perfect home financing solution.
Personalized Service
Frank Swartz values every client and provides personalized service, tailoring mortgage solutions to meet your unique financial needs and homeownership goals.
Competitive Rates
Frank offers some of the most competitive interest rates available, ensuring you get the best pricing and terms for your mortgage.
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Frank Today!
Meet Frank Swartz—Your Trusted Mortgage Advisor Since 1997
Michigan is a wonderful place to live, and choosing to buy or build a home here couldn’t be better. While financing a home is something that most people do only a few times in their lives, helping people achieve their dream of homeownership is my passion.
I have years of experience as a residential mortgage loan officer and am very knowledgeable about a variety of loan programs. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer your questions, big or small.
Throughout my career, I’ve helped my clients secure the financing they need to purchase, renovate, build, or refinance their dream home. Because my business is built on referrals, my goal is to make your mortgage experience a great one!
Check Out Some Mortgage Options
First Time Home Buyer Programs
First-Time Home Buyer programs provide aspiring homeowners with the opportunity to purchase their first home with ease. Offering down payment assistance and closing cost support, this program helps remove the financial barriers to homeownership.
Closing Costs/Down Payment Assistance
Down Payment & Closing Cost Assistance programs helps first-time buyers overcome the financial barriers to homeownership by covering essential upfront expenses. This valuable support makes purchasing a home more attainable, easing the burden of out-of-pocket costs.
Interest Only Jumbo Loans
Interest-Only Jumbo loans provide flexibility for buyers seeking high-value properties by offering lower monthly payments during the initial interest-only period. This loan option gives you the financial freedom to manage your cash flow while securing the home of your dreams in the luxury market.
Delayed Financing
Delayed Financing allows buyers to purchase a home with cash and then quickly refinance to reclaim their liquidity. This flexible option lets you avoid tying up large amounts of capital, giving you the ability to access your funds while still enjoying the benefits of homeownership.
FHA Home Loans
FHA Loans offer an affordable path to homeownership by providing low down payment options and more flexible credit requirements. This program is ideal for first-time buyers, giving you the opportunity to secure financing with less financial strain while achieving your goal of owning a home.
VA Home Loans
VA Home Loans empower veterans and active-duty service members to purchase a home with no down payment and competitive interest rates. This benefit-rich program offers flexible terms and lower closing costs, making homeownership more accessible for those who have served our country.
Reviews from REAL Homebuyers!
"Gave great direction"
Frank was a lifesaver during my home purchase process. He listened to my issue, gave great direction, and got the deal done. I will absolutely call Frank for my next mortgage, HELOC, or refinance.
Amanda Barreto
"So easy"
Frank made my mortgage application and home purchase so easy! Highly recommend Frank if you want someone to help you every step of the way.
Nicole Bock
"Swift closing"
Frank is a consummate professional and helped me navigate to a smooth and swift closing on my home. I would recommend his services to any borrower.
Asam D.
"Frank was amazing"
Frank was amazing. He truly seemed to personally care about our refinancing and was there to answer all my questions. He was patient and explained each step.
Pamela Richards
"Frank was amazing"
Frank was amazing. He truly seemed to personally care about our refinancing and was there to answer all my questions. He was patient and explained each step.
Pamela Richards
"A piece of cake"
Frank Swartz and his staff made purchasing my home a piece of cake. I didn’t feel coerced to do anything I was uncomfortable with. It was almost an overnight process. If and when you’re ready to purchase your home, real estate etc, Frank is the man to get the deal done!
Enoch Young
"Awesome to work with"
Frank was awesome to work with. Response time was quick, even while not in the office he took time out to answer any questions I had. Very professional and knowledgeable.
Tasha Bellamy
"Very knowledgeable"
Frank Swartz is very knowledgeable and made refinancing quick and easy. We were able to get a great interest rate and close in less than 30 days. I highly recommend him for your next mortgage or refinance loan.
Jennifer Tweddle
"A lifesaver for me"
Frank has been a lifesaver for me - consolidated all debt into a manageable amount and kept me posted the whole way through! From start to finish and beyond, Frank has been by my side. A true professional who works for his clients. Highly recommend!
Janet Valeri
"Experienced and patient"
Experienced and patient at all turns of the process explaining every detail requested. It never mattered the day or if it were early or late Frank would respond and calm any concerns. Overall the entire process was very rewarding for us.
Barbara Lynch
"Frank is a rockstar"
Frank is a rockstar. We has closed several deals together. He is professional, knowledgeable, and attentive to the clients needs. Always putting clients best interest first. My go to mortgage guy!!!
Sharon Oliver
"Very nice, professional"
Frank Swartz is very nice, professional and thorough. He really helped me alot and assisted in making the process move smoothly and efficiently. Keep up the great work!
Candi B.
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Contact
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Phone
frank.swartz@citizensbank.com
Citizens Bank, N.A. (NMLS ID# 433960)
Frank Swartz,
NMLS ID #406422
nmlsconsumeraccess.org
Contact Us:
Address:
725 S. Adams Road
Suite 286
Birmingham, MI 48009
© 2024 Citizens Financial Group, Inc. All rights reserved.
Created by AGENCY NEXT.
Mortgages are offered and originated by Citizens Bank, N.A. Citizens is a brand name of Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.
Equal Housing Opportunity Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval.