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This is the official blog of Citizens National Bank, providing information about personal banking, business banking, mortgage loans, business loans, financial management and helpful tips for consumers located in northern Michigan.

Fixed vs. Adjustable Rate Mortgage Loans - What's the Better Option?

Nancy Lindsay - Thursday, March 12, 2015

Fixed vs. Adjustable Rate Mortgage LoansWith the recent announcement of our No Closing Costs program for home mortgage and business loans, you can imagine that we're seeing quite the increase in loan interest from our customers. But when trying to answer the question "which is better for me, a fixed or variable rate loan" the answer really is "it depends." 

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No Closing Costs on Mortgage and Small Business Loans – That’s Just Crazy!

Nancy Lindsay - Monday, March 02, 2015

For years it’s been a “fact of life” when it comes to getting a loan that there are some things you expect from a bank. Not to fear, at Citizens National Bank you’ll still get great service, personal attention and quick answers to any questions (and yes, decisions are made locally, so you’ll get your questions answered quickly too). But we’ve made one big change that we think you’re going to like… we’ve eliminated closing costs for home mortgage and small business loans!


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Owning a Home in Northern Michigan May be Easier Than You Think

Nancy Lindsay - Friday, January 23, 2015

Those of us who get to call the “tip of the Mit” home know first-hand about the benefits of living in Northern Michigan. Whether the landscape is white with snow or the temps are warm and we’re drawn to the water, we live in one of the best places to fully enjoy the seasons and all they have to offer. It’s no surprise that Northern Michigan is a destination for many to spend not only their vacation, but for many a desirable location for a second home or vacation property. Whether you live here full-time or looking for a “getaway” to be able to enjoy all that the area has to offer, it doesn’t get any better than living in Northern Michigan! 

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Answers to Your Financial Questions Await You in Our Financial Education Center

Nancy Lindsay - Monday, January 12, 2015

Financial Answer CenterWhen we updated our website recently, in addition to making it mobile friendly and adding our blog (among other great updates), one of the new sections that you may not have discovered yet is our Financial Education Center. This area of our site provides you with a plethora of information on just about any financial-related question you can think of. 

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This Holiday Season Don’t Forget to Shop Local

Nancy Lindsay - Wednesday, November 26, 2014

Shop Small Saturday‘Tis the season for giving… but to give you’ve first got to go shopping and get something to give. This year when you grab your shopping list and head out to fight the crowds, don’t forget there’s a lot that you can do right here in your hometown. Shopping locally has many advantages, especially during this, busiest gift-giving time of the year. 

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CNBmobile – Taking Your Banking From Anytime To Anywhere

Nancy Lindsay - Friday, November 21, 2014

CNBmobile bankingToday it seems just about everyone has a smartphone. In fact, over two-thirds of Americans that own a phone, own a smartphone that has the ability to download apps, browse the web. We’re using these devices to play games, send text messages, watch videos, take (and share) photos, update our social media status and browse the Internet. But are you doing your BANKING on your phone yet? 

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Your Personal Information: Key To Getting Approved For A Small Business Loan

Nancy Lindsay - Thursday, September 04, 2014

Business and Commercial LoansIn last week’s post we talked about how applying for a business loan may be a lot like the TV show Shark Tank. As a business owner, it’s your job to convince the bank that you’re worth the “risk” of providing financing and what sort of business information you need to provide during the application process. But, what you may not realize is that as the business owner, there’s an expectation of personal information as well, further helping the bank get a feel for your expertise and ability to repay the loan.  

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Applying For A Small Business Loan Is A Little Like Shark Tank

Nancy Lindsay - Thursday, August 28, 2014

Business and Commercial LoansDo you watch the TV show Shark Tank? For those of you who may not have seen it before, entrepreneurs come before a group of high-profile investors in hopes that they will finance growth or expansion of their business idea after they hear an impassioned pitch. In applying for a small business loan, you are asking the bank to be a partner in a dream you have to build a future. The process is a bit more low-key than Shark Tank, but what holds true is that you have to convince the bank that you present a risk worth taking.  

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Questions Every First Time Homeowner Should Ask Themselves – Part II

Nancy Lindsay - Wednesday, August 20, 2014

Buying a new homeIn our previous post we set the stage for the aspiring first-time homeowner to better prepare for the process of applying for a home loan. Understanding your credit history is an important component to getting approved for a loan. Additionally, having stable employment shows the bank you’re generating consistent income (and therefore, able make your payments). But these are just a few of the items that you need to consider. Below are some additional questions to ask yourself to ensure that you’re ready to become a homeowner. 

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Questions Every First Time Homeowner Should Ask Themselves – Part I

Nancy Lindsay - Wednesday, August 13, 2014

Questions for first time home ownersDo you see owning a home as bringing your part of the American dream to life? If so, you are like nearly 82% of Americans recently surveyed by the National Association of Home Builders and Better Homes and Gardens Magazine who saw this as a goal. While the housing crisis of the few years back may have made obtaining a mortgage a little more difficult, if you are an aspiring homeowner, what do you need to do to improve the chances of obtaining a mortgage? 

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