Envision Bank › Home loans › Lending team › John Goscila John Goscila Senior Loan Officer Apply Now Free Total Home Cost Analysis Total home cost analysis Understanding your financial future using a Total Cost Analysis is simple. About I have 29 years experience in the mortgage banking industry. I joined this team as a Senior Mortgage Officer in September of 1991 after 3 years experience in mortgage servicing. At Envision Bank, we have a variety of mortgage programs to meet your unique situation. With my years of experience I can analyze your financial situation and find which mortgage program fits all your needs. I am a graduate of the University of Lowell, with a bachelor’s degree in Marketing. I am also a life long resident of Lowell, MA. I consider my customers “customers for life.” Contact Office Phone: 978.495.0257 Fax: 978.749.3100 Email: firstname.lastname@example.org NMLS # 756126 Testimonials "Thank you for making this a wonderful and rewarding experience for Harvey and I. Being an older retired couple and first-time purchasers, we could not have asked for better. You and Wayne make a great team. And yes, we do recommend you to our friends. Thank you again and Merry Christmas. May God bless you to enlarge your boundaries in the coming year!" - The Robinsons "I am very thankful to you for your kind help in my loan procedure. Your endless support for the documentation process and much more made the successful in getting the loan, which so grateful to us. I would recommend your name for sure to my relatives and family members, if someone is planning for home loan or something related to loan. Once again thank you so much." - Vimlaben and Reema P. "Thank you for helping us buy this house. We hope you have great holiday with your family! " - Dennis N. "Just wanted to say thank you again for everything you and Jill did on my refi. This was by far my best mortgage experience. Meeting our window for the closing date was huge for us and you guys were so easy to work with. Any mortgage referrals I have will definitely be coming your way." - Jason H.