Mortgages

Home Mortgages

  • We offer fixed rate, adjustable rate, Federal Housing Administration (FHA), and Veterans Administration (VA) loans
  • Stated income and no documentation loans are available to qualified borrowers
  • Rapid pre-approval process

Construction

  • We offer construction, and construction-permanent loans
  • One time close loans available
  • Rate lock options to guarantee rate on permanent loan

Home Equity Line of Credit

  • We offer HELOC's and fixed second mortgages
  • Alternative documentation options available to qualified borrowers

Investment Property

  • We offer loans on condos, 2-4 unit properties, and single family investment property
  • Alternative documentation options available to qualified borrowers

Mobile Homes amd Manufactured Homes

  • We offer fixed and adjustable rate loans
  • We have options for singlewide, doublewide, and manufactured homes with additions

Reverse Mortgages

  • Available to borrower over the age of 62
  • Cash advance of the equity in your home
  • No mortgage payments required
  • Can receive monthly payments from lender, or set up a line of credit for future needs

Land Only Loans

  • Purchase of residential lots or unimproved acreage
  • We also offer loans to help you build on the unimproved lot

How to Apply

To apply for a mortgage loan you are welcome to give us a call, or come into one of our branch offices. Just ask for one of our qualified loan officers. You may print off our online application package as well, to expedite the process.


 

Beginning July 1, 2010 Citizens First Bank will no longer participate in the FDIC’s Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC’s general deposit insurance rules.

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