Mortgages

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Mortgages

Fixed Rate Mortgage
Individuals who are planning to stay in the home for at least seven years and have stable income that is not likely to increase significantly.

Adjustable Rate Mortgage
Ideal for those who plan to move or refinance before the first interest rate adjustment, want to maximize the home price they can afford, or expect their income to increase rapidly.

Interest Only Mortgage
Reduce your monthly payment by paying interest only on your residential mortgage loan.

Construction Loan
Individuals who require financing for the construction of a new home.

Bridge/Blanket Loan
Designed for those who want to use the equity in their present home to purchase or build a new home prior to the sale of their present home.

FHA Mortgage
Ideal for individuals with a lower annual income or require a smaller down payment.

VA Mortgage
Active duty military personnel and veterans who were discharged under conditions other than dishonorable and meet the required time in service.

The path to home ownership can be frustrating at times especially when it comes to obtaining a mortgage loan. That’s why at Citizens First we make sure the mortgage process goes smoothly. Our mortgage specialists work with you to select a mortgage program with a payment that works with your budget.

Many of our programs feature no, or low down payments and low closing costs. So whether you decided to apply online, in person, or by phone, we will soon have you on your way to owning the home of your dreams.