Mortgage Guide

Financing a home in today’s dynamic real estate market requires a mortgage lender that can navigate ever-changing guidelines while providing superior service. SPIRE’s partners at  Citizens Bank and Sterling National provide just that: competitive rates, exceptional customer service, transparency, product expertise, and professional guidance.

Citizens Bank and Sterling National consultants work hand-in-hand with your SPIRE agent to ensure your real estate transaction is smooth and successful. Their expertise and exclusive programs allow us to provide mortgage solutions that best satisfy your short and long-term financial goals

Whether you are purchasing a new property, renovating your existing home, or simply want to refinance, you can count on Citizens Bank and Sterling National.

Contact our local home mortgage consultants when you’re ready to apply or with any questions.

Rolan Shnayder NMLS#: 11833
340 Madison Avenue 22nd floor
New York, NY 10173
Phone: (212) 699-2911
E-fax: (877) 518-6425

Tony Jao NMLS #7536 
Sterling National Bank 
Assistant Vice President/Senior Loan Officer
Residential Mortgage Division
500 Seventh Avenue - 3rd Fl, NYC 10018
Phone: (212) 575-7046

Please be advised that we cannot change or modify loan products, terms, or amounts via telephone or voice-mail.   All change requests must be submitted and acknowledged in writing.

The new CFPB mandated Loan Estimate and Closing Disclosures forms became effective 10/3/15.

Please visit  for more information or send your questions to