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Citizens First Bank > Products > Personal Banking > Mortgages > Fixed Rate
Fixed Rate
Fixed Rate  | Adjustable Rate  | Interest Only Mortgage  | Construction Loan  | Bridge Blanket Loans  | FHA Mortgage  | VA Mortgage

If you are concerned about your monthly payments changing as rates fluctuate, then a fixed-rate mortgage with Citizens First is ideal. A fixed-rate mortgage ensures that your interest rate and monthly payment will stay the same over the life of your loan. 


Fixed rate mortgages are perfect for those:

  • Planning to stay in the home for at least seven years
  • Have stable income that is not likely to increase significantly
  • Are concerned about payments fluctuating as rates change


Citizens First currently offers competitive rates for 10, 15, 20, and 30-year mortgages

 

Fixed-Rate Mortgage Details

  • No income limit.  
  • Minimum loan amount $5,000. 
  • Maximum loan amount $359,650. 
  • 0-3 point rates available.* 
  • Low closing costs. 
  • Primary residence and second home properties as well as 1-4 unit investment properties. 

30 Year Fixed Rate Mortgage
TermRateAPR*Points
30 Year5.125%5.172%0
30 Year4.875%5.009%1
Example: A loan amount of $120,000 at 5.125% for 360 months would have a monthly payment of $653.38.
*Annual Percentage Rate. Rates are as of 01/06/2009 and are subject to change.
20 Year Fixed Rate Mortgage
TermRateAPR*Points
20 Year5.125%5.138%0
20 Year4.875%5.009%1
Example: A loan amount of $120,000 at 5.125% for 240 months would have a monthly payment of $800.26.
*Annual Percentage Rate. Rates are as of 01/06/2009 and are subject to change.
15 Year Fixed Rate Mortgage
TermRateAPR*Points
15 Year4.625%4.702%0
15 Year4.375%4.601%1
Example: A loan amount of $120,000 at 4.625% for 180 months would have a monthly payment of $925.68.
*Annual Percentage Rate. Rates are as of 01/06/2009 and are subject to change.
10 Year Fixed Rate Mortgage
TermRateAPR*Points
10 year4.500%4.528%0
10 year4.250%4.496%1
Example: A loan amount of $120,000 at 4.500% for 120 months would have a monthly payment of $1,243.66.
*Annual Percentage Rate. Rates are as of 01/06/2009 and are subject to change.

 

 




 

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