James Chen - Citizens, Home Mortgage - New York

Victor T.

James is quick and reliable in anything related to your home mortgage. Buying a home is stressful, and James was always there to ease the process, patiently explaining to us exactly what we needed and how to achieve our home-buying goals. He is prompt and provides some of the best service there is in his field. James and his team were readily available to assist at any time they could and careful to make sure the process was streamlined as well as it could be.

Home buying is as good as done with James; there is no other person I would recommend!

Jason H.

James and his team at Citizen's are the best in the biz! My wife and I used James on our home purchase and were blown away with their ability to streamline the complicated process. As someone who works in the real estate industry, I have and will continue to recommend James and his team.

Charlie H.

James is phenomenal / the absolute best. There’s nobody else I would ever work with or refer - only James. Home buying is stressful, James made my life simple. And he gave me the best rates possible.

He is always instantly responsive and made sure to answer any questions I had along the process. Thank you again, James for helping us achieve home ownership!

Rachel O.

James is the best loan officer ever! We were referred to him by our agent while buying a townhouse in Brooklyn, and he was so helpful and responsive throughout the months-long process. James always responded to my calls and texts, and was super friendly the entire time. He also helped educate us on different types of financial products, and always made me feel like any question was a good one. I can't recommend James enough!

Fernando W.

I had the best experience working with James while getting a home loan with citizen. He was informative and guided me step by step through the whole process. I highly recommend him.

Vanessa G.

James Chen and his team at Citizens helped us secure a mortgage for our first home. They were exceptional. Not only were they very responsive and available via email and phone, they went above and beyond in making sure that we could get the best interest rate possible and the lowest closing fees. They also helped us hold onto our rate lock beyond traditional windows at no extra cost. Would highly recommend.

Bina F.

James is exactly the person you want to work with when buying a home, let alone your first! He was friendly, attentive and got me the best rate possible. I highly recommend him!

Debbie F.

The buying of a home is a Big decision. It takes a lot of knowledge when deciding what the best price point for your budget is. Whether it be purchasing a Co-Op, Condo or House, the end result is the same. The monthly expense, do I qualify for a loan, will I pass the board with my DTI? James' kind and gentle manner is a added bonus to his expertise as a Banker. His understanding of today's market and the various requirements needed for a mortgage has been a great help when qualifying a buyer both for them and myself as a Realtor. I would highly recommend Anyone who is looking for a mortgage to meet with James!