Mortgages

In partnership with the USDA, we’re committed to creating pathways to homeownership in rural America.

• United States Department of Agriculture (USDA) Home Loans
• Click here for borrower and program availability information.

With a fixed-rate mortgage, you get predictable monthly payments for the duration of the loan. Or, with an adjustable-rate mortgage (ARM), you can enjoy lower rates up front. We’ll help you make the choice that’s best for you and your family.

Fixed-Rate Mortgage

• Predictable monthly mortgage interest rates
• Avoid interest rate inflation for the duration of the loan

Adjustable-Rate Mortgage

• Enjoy lower interest rates in the early years of your loan
• Adjustable-Rate Mortgage rates may increase after closing

Our construction loan option allows you to combine your construction financing and mortgage into a single loan and only pay closing costs once. We can provide information on the ins and outs of the process, when payments start, and more. Reach out to any of our mortgage lenders for additional details.

If your dream home doesn’t exist yet, consider a lot loan from Citizens Bank. You can finance the purchase of a plot of land and start planning your build without the time pressure of a construction loan.

Home equity is the amount of your home that you own free and clear. It’s the difference between your home’s current fair market value and the balance due on your mortgage. You gain equity in two ways: when you pay down your principal, and when market conditions cause your property to appreciate in value. Click here for a Home Equity Credit Calculator* to determine the equity in your home.

 

Home Equity Loan / Second Mortgage
A home equity loan, sometimes called a second mortgage, can be a fixed or variable-rate loan that uses your property as collateral and is distributed in one lump sum. You’ll then pay it back in regular monthly installments over a predefined loan term. 
 
Home Equity Lines of Credit (HELOC)
A home equity line of credit, or HELOC, is typically a variable-rate loan that uses your property as collateral and the money isn’t disbursed all at once. You’re given a credit limit based on the amount of home equity you have, and you can access funds as you need them throughout the designated draw period.

 

Click here for an Amortizing Loan Calculator*.  Enter your desired payment - and calculate your loan amount.  Or, enter in the loan amount, and see your monthly payment amount. 
 
*Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

The Secure And Fair Enforcement For Mortgage Licensing Act Of 2008 (SAFE Act) was enacted to improve the accountability and tracking of residential mortgage loan originators,  enhance consumer protection, reduce fraud, and provide consumers with easily accessible  information regarding the professional background of mortgage loan originators. Pursuant to the  SAFE Act, the mortgage loan originators are required to obtain a unique identifier through the  Nationwide Mortgage Licensing System and Registry. The SAFE Act requires mortgage loan  originators (and banks) to provide these unique identifiers to consumers upon request.

 

• 493907 Fields, Kathy
• 568760 Leonard, Sheri
• 493905 Oiler, David
• 586665 Trippeer, Michael

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