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Home, Personal and Consumer Loans

Home, PErsonal and Consumer Loans

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Our Lending Officers have the expertise and knowledge to guide you through the application process with ease.  Whether you are in the market to buy a home, just looking to refinance your existing mortgage or want a home equity loan, we make the process simpler, less costly and faster. Citizens Bank offers a variety of products to fit your needs.

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Fixed Rate Loans

Ready to purchase your first home? Our lenders will guide you through the process and keep you well informed along every step of the way.

Refinancing options are also available. You may want to reduce your monthly mortgage payment by extending the term or reducing the interest rate. You may want to shorten the term on your mortgage. You may want to take some of the equity you have built up to complete a project or consolidate debt. Our lenders will give you the information to review any of these options so you can decide what makes most sense for your situation.

Home Equity Line of Credit

Borrowing against the equity in your home can be a great way to buy that new car, make improvements to your home, pay college tuition or simply consolidate other higher-cost loans into one low monthly payment. And the interest you pay may even be tax deductible! Consult your tax advisor regarding deductibility.

With a Home Equity Line of Credit, you borrow only the amount you need.

  • Pay interest only on what you use
  • Use your line all at once or a little at a time
  • Interest-only payment options
  • Convenient checks to use whenever you need them
  • As you make payments, your line is replenished

Construction Loans

Construction loans are set up as a "draw" to allow payments to be authorized as the work is complete, and you pay interest only on the amount you have advanced. Upon completion of the project your loan can be converted to one of our mortgage products.

Our lenders will assist you through the construction loan process, which includes: purchasing the land, reviewing the plans, budgeting/bids, appraisal, periodic inspections, builders risk insurance, assurance that lien waivers are collected and conversion to permanent financing. Initial review will include underwriting for your final mortgage loan.

Adjustable Rate Mortgage (ARM)

These are just some of the reasons an ARM loan may be more attractive for your situation:

If you purchase a property for under the appraised value
If you are uncertain of your future plans
if you need a low-cost refinance option

Second Home

Fixed rate mortgage and adjustable rate mortgage options are available for financing your second home.*

*Underwriting guide defines Second Home as property that at a minimum: Suitable for year-round occupancy; have full kitchen facilities with standard-sized appliances; have separate rooms for living and sleeping; have no lockout bedrooms; be a 1-unit property; not be part of a time sharing or rental pool agreement; and not be manufactured housing.

Land and Lot Loans

A variety of ways to finance the purchase of a lot for future building or your recreational ground exist.
DID YOU KNOW: You may be able to use the equity in your current residence as the down payment toward the property you want to buy. Our lenders can review your current situation and determine what options you have.

USDA Rural Housing Loans

100% Financing - Loan amounts can be up to 100% of the purchase price plus the 2% Guarantee Fee
( Maximum LTV is 102%)
Not restricted to First Time Homebuyers
30 Year Fixed Rate Term
No Down Payment required for qualified borrowers
No limit on seller concessions or gift/grant funds from Community Organizations or relatives
No monthly Mortgage Insurance required
Loan Subject to Property/Borrower Eligibility

Consumer Loans

Citizens Bank specializes in the personal touch. We offer a variety of options for your
personal financing needs for automobile, boat, RV, ATV and other types of consumer loans. We can customize a loan to fit a variety of borrowing needs.

Visit with one of our Lending Professionals at any of our five locations to learn how we can help make your dreams become reality.