Skip to Main Content

Citizens' Mortgage Loan Options

Conventional Mortgage

Down Payment Required

Jumbo
Mortgage

Loans Over $647,200

Construction
Loan

New Home Builds

Land and Lot
Loans

Vacant Property

Manufactured Housing Loan

Manufactured Homes

Purchase Your Dream Home

We believe your dream home ought to come complete with a dream mortgage. So we work hard to ensure you get the best possible rate—along with the best possible service.

We’ve been helping local folks buy homes since back in 1931, so it’s safe to say we have plenty of practice doing things the right way.

We offer both adjustable and fixed rate mortgages. Better still, we have an entire lending team that can help you decide which option is right for you.

If you’re ready to buy a home (or if you want to refinance your existing home), be sure to scroll down and select a lender to get started. If you have any questions, please don't hesitate to contact us and we'll be happy to help.

Apply Now by selecting one of our Mortgage Experts

Calculators

Gain Insight for the Future

Apply Now

Full Mortgage Application

Conventional Mortgage

A  conventional mortgage loan is best suited for prospective homebuyers who have the ability to cover a down payment. If you qualify for this type of loan, you can take advantage of great options including low closing costs and competitive interest rates. Conventional loans are offered in both adjustable rate mortgage (ARM) and fixed rate options.

Jumbo Mortgage

If you need to borrow an amount beyond the Conventional loan limits, you may qualify for a Jumbo loan to purchase your dream home. Jumbo loans are better suited for homes with a higher price tag and generally have more stringent credit requirements. Low down payment options are still accessible for this type of loan and adjustable-rate options are available with local service.

Construction Loan

Are you looking to build the home of your dreams? With a Construction loan, you can conveniently secure funding for the initial construction and the permanent financing at the same time with a single-closing loan. Or, you can handle each separately with a two-close loan process. While this type of loan requires a down payment, it can be via traditional funds or from an equity position you have in the land. Construction loans are available in both adjustable and fixed rate options and intended for single-family homes only.

Land and Lot Loans

Found the perfect spot to build your next home? Citizens bank can help you with the financing. To utilize a Land or Lot loan, the property you are looking to purchase must be vacant, excluding pole buildings/barns. One of our mortgage experts can even help you coordinate a Land or Lot loan with a Construction loan.

Manufactured Housing Loan

Citizens Bank also provides financing options for manufactured homes. For details on our available programs, terms, rates, and requirements please get in touch with a mortgage expert for complete details.

  • Disputes
  • How to dispute debit card transactions
  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.
  • A traditional IRA allows you to direct pre-tax income toward investments that can grow tax-deferred until your retirement. You cannot contribute after age 70 ½ and distribution is required at that age.

Plan for the Unexpected Savings Accounts

Modern savings accounts including CDs, HSAs, IRAs and more, all with plenty of old-fashioned customer service that puts you first.

See Accounts

You are about to leave the official website for Citizens Bank. Click Continue to proceed or click the “x” above to close this and remain on our website.

Continue