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Personal Banking > Mortgages Owning your own home is one of the most important investments you will make during your lifetime. We at Citizens National understand that importance and want to make your mortgage experience a positive one. We offer many products to suit your needs. Please contact one of our Mortgage Experts for additional information. Zero Down Payment Loans Have you always dreamed of owning your own home but didn’t know how you would come up with the down payment? Wonder no more! You can now make owning your own home a reality with no money down! We can finance 100% or your mortgage with the participation of the USDA Guaranteed Rural Housing Service. Low Down Payment Have you saved money for your home only to find out you needed more than you saved for a down payment? Citizens National has a program just for you where you can purchase your new home with as little as a 5% down payment! We have many low, down payment options to choose from. Fixed Rate Mortgages Don’t want to take a gamble with fluctuating interest rates? Do you like to know exactly how much your bills total every month? Then a fixed rate mortgage is for you. It is the most popular way to finance your home. We offer a variety of long-term repayment loans for purchasing or refinancing your home. Adjustable Rate This type of financing is available for borrowers who want their loans to move with market rates. One and three year adjustable rate mortgages are available for this type of financial need. 5 & 7 Year Balloon Reset Mortgages If you’re someone who is looking for short term financing with attractive interest rates and terms then our Balloon Reset Mortgages will be an option for you to investigate. Vacant Land Mortgages Ever dream of owning hunting property? A place to pitch your tent or just a place where you can get away from the every day hustle and bustle? Talk to one of our mortgage experts about how you can finance vacant land and make your up north dream a reality. Construction Loans Have you been planning and saving so you could one day build your dream home? Citizens National offers excellent options on construction loans so that you can make your new home come to life, no matter how big or small. Home Equity Loans Use the equity you have in your home to qualify for cash! Take a sun-drenched beach vacation, pay for your child’s education, redecorate your home – whatever your needs may be, unleash the equity in your home! Jumbo Mortgage Loans Are you one of those people who are ready for that fabulous home and are ready to make that kind of home purchase commitment? We have Jumbo Mortgages available for just that type of luxury living, for $370,000.00 and greater. Your dream home just became a reality with a Jumbo Mortgage through Citizens National. |
