Home Mortgage Products

Choosing the mortgage product that best meets your needs is a big decision. You shouldn’t have to go it alone. At Citizens, you don’t. Our mortgage department is eager to answer any questions you may have. Whether you’re purchasing, refinancing, or taking advantage of the equity you’ve built in your home, our professional lenders are here for you. We offer a variety of mortgage loan options with competitive rates.

  • Minimum loan amount is $5,000
  • Maximum loan amount is $417,000*
  • Single family primary residences and second home properties
  • No prepayment penalty

*Loans above $417,000 are considered Jumbo Loans and subject to specific terms and rates. Contact a mortgage lender for more information.

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Fixed Rate Mortgage

Our Fixed Rate Mortgage offers the security of a principal and interest payment that remains the same for the entire life of the loan.

15 Year Balloon/30 Year Amortization

The 15 Year Balloon Mortgage has fixed monthly payments for the first 15 years of the loan. Full refinancing or modification is available prior to maturity, to take effect at the beginning of the 16th year. This product provides consumers with another option and often works well for individuals who may not be in their homes for more than 15 years. Contact a mortgage lender for maximum loan information.

Adjustable Rate Mortgage

Our Adjustable Rate Mortgage (ARM) offers an initial interest rate and monthly payment that is typically lower than a fixed rate loan. Many choose this product to keep their mortgage payments at a minimum during the early years of the loan. Interest rates and payments are fixed for an initial period of time.

Interim Construction & Permanent Mortgage

Our Interim Construction and Permanent Mortgage is a program that our customers can use to build and permanently finance their home.

Investment Property Mortgage

Our Investment Property Mortgage is for 1 to 4 unit investment properties. This product extends flexible financing options to qualified investment-oriented borrowers. 

Home Equity Loan

Our Home Equity Loan allows you to use the equity in your home for home improvements, to consolidate debt, for emergencies, or other purchases. This is a fixed rate loan that guarantees your rate will remain constant throughout the life of the loan. (Minimum loan amount is $5,000)

Home Equity Line of Credit

Our Home Equity Line of Credit allows you the flexibility of having funds available to you when you need it. Your line is accessible through traditional checks. A home equity line is a form of revolving credit in which your home serves as collateral. As you repay your principal, that money becomes available to you over and over again. (Minimum loan amount is $5,000)