Buying a home isn't just a life milestone — it's also an important investment. We can help you get the right home at the right rate.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing in Northern Michigan
  • Friendly service from people you know

Get Started

Easily apply online by choosing the "Apply Now" button above or below! Prefer to apply in-branch? Download our PDF application and bring it by one of our locations.

Loan Programs

We offer a wide variety of loan programs. Learn more about each one below, reach out to one of our Mortgage Experts for help finding the right program for you.

Zero Down Payment Loans You can now make owning your own home a reality with no money down! We can finance 100% of your mortgage with the participation of the USDA Guaranteed Rural Housing Service.
Low Down Payment We have many low, down payment options to choose from.
Fixed Rate Mortgages The most popular way to finance your home. We offer a variety of long-term repayment loans for purchasing or refinancing your home.
Vacant Land Mortgages

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? Use a construction loan to build your home from the ground up — payments are interest-only during construction.
Jumbo Mortgage Loans We have Jumbo Mortgages available for just that type of luxury living, for $453,100.00 and greater. Your dream home just became a reality with a Jumbo Mortgage through Citizens National Bank.
Mortgage Loan Originators

The Citizens National Bank NMLS ID is 417225.

The following is a list of our Mortgage Loan Originators:

  • Sharon L. Coppernoll  NMLS ID: 514722
  • Steve Crusoe - NMLS ID: 514716
  • Michelle Miller - NMLS ID: 972032
  • Dennis S. Myers - NMLS ID: 138924
  • Darren Selden - NMLS ID: 685509
  • Rebecca L. Aper  NMLS ID: 1666414
  • Quinn Bonnett – NMLS ID: 925174
  • Joseph M. Daly – NMLS ID: 906651
  • Nicole M. Drake  NMLS ID: 685510
  • Victoria J. Hand  NMLS ID: 685502
  • Matthew E. Keene  NMLS ID: 528120
  • Kelly L. Leist  NMLS ID: 1369700
  • Andrew C. Martin  NMLS ID: 1486786
  • Amanda Nicholson – NMLS ID: 1226897
  • David A. Woods  NMLS ID: 1742864