Mortgages & Loans
Citizens Mortgage Services
Call Today 1.866.462.2265
Ready to buy a home? Thinking about a new car? Going to college? From home equity loans to car loans to personal loans, Citizens National Bank wants to help you attain your piece of the American Dream. We offer a range of financing, loans and lines of credit to help make your dreams a reality — whether that means money for your next vacation or refinancing for your dream house.
Citizens Mortgage Services
As your community bank, we know that there is more to financing or refinancing than the actual loan. Our professional staff will work with you to ensure you have the advice and personal service you require when navigating the maze of financial options among mortgages, loans and mortgage lenders. As a direct lender, Citizens Mortgage Services eliminates the middleman, which means less cost and less hassle for you.
- Purchase an existing home
- Permanent financing for your construction loan
- Refinance your current home loan or mortgage
- Adjust for lower payments or to reduce your owed interest amount
- Helping you choose a mortgage that is right for you
Real Estate and Personal Loans
Home & Mortgage Loans
- Financing that fits, whatever your needs
- Flexible terms up to 30 years
- Fixed, variable, or combination rate loans
- Paid interest may be tax deductible*
New Construction Loans
- Flexible terms
- Draw on your account as you need it
- Pay interest only on the money used
Government Loans
- Federal Housing Administration (FHA) Loans — minimum down payments with no income limitations
- Veterans Administration (VA) Loans — finance 100% of the purchase price, seller may pay up to 100% of borrower's closing costs
- Kentucky Housing Corporation (KHC) Loans — 100% financing possible, allows qualified families to purchase at below-market rate
Home Equity Loans & Lines of Credit
- Use the power of your home equity for smart money management
- Help finance a new car, consolidate debt, pay for extra expenses
- Low fixed-rate loans or variable lines of credit
- Paid interest may be tax deductible*
Home Improvement Loans
- Use your home equity to finance improvements
- Flexible terms up to 10 years
- Paid interest may be tax deductible*
Personal Loans
- Help pay college expenses, take vacations or secure funds in an emergency
- Competitive rates and flexible terms
Vehicle & Auto Loans
- Low-rate financing could save you money over the life of your car loan
- Competitive rates and flexible terms
- New and used auto loans
- Easy application process
- Loan refinancing to lower your interest and monthly payments
RV, Boat & Motorcycle Loans
MasterCard and Visa®
Citizens National Bank cares about the economic growth of our communities and proudly serves:
• Allen, KY
• Ashland, KY
• Belcher, KY
• Catlettsburg, KY
• Cannonsburg, KY
• Elkhorn City, KY
• Garrett, KY
• Grayson, KY
• McDowell, KY
• Paintsville, KY
• Pikeville, KY
• Prestonsburg, KY
• Russell, KY
• Salyersville, KY
• South Williamson, KY
*Consult your tax advisor.