Mortgages & Loans
Citizens Mortgage Services
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Ready to buy a home? Thinking about a new car? Going to college? Citizens National Bank wants to help you attain your piece of the American Dream — whether that means money for your dream vacation or financing for your dream house, we offer a range of financing and options that can help make them a reality.
Citizens Mortgage Services
As your community bank, we know that there is more to financing then 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 for mortgages. 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 mortgage
- Adjust for lower payments or to reduce your owed interest amount
- We help choose a mortgage that is right for you
Real Estate and Personal Loans
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
Auto & Vehicle Loans
- Low-rate vehicle financing could save you money over the life of your loan
- Competitive rates and flexible terms
- New and used vehicle loans
- Easy application process
- Loan refinancing to lower your interest and monthly payments
RV, Boat & Motorcycle Loans
MasterCard and Visa®
DISCLAIMER
*Consult your tax advisor.