Mortgage Loans

Citizen’s Bank & Trust has a variety of creative home financing and refinancing options to suit your mortgage needs. We offer In-Bank, Secondary Market mortgages or Long-term Mortgages.  Our experienced lenders will answer your questions and help you make the right decisions for your mortgage loan.  Steady, strong and common sense; you can count on us. 

• Home purchase, new construction - Whether you're purchasing an existing home or building your own, we offer a wide variety of mortgages. Our new home construction loan offers a convenient, hassle-free way to build and finance your new home.
  
  
• Refinance or home improvements - More and more people are refinancing or getting that second mortgage today, and a home improvement loan is a great way to add value to your property.
  
  
• Fixed interest rate – We offer traditional financing for the safety and security of set monthly payments at a full range of terms. With a fixed rate mortgage, your interest rate and monthly payment remain the same throughout the term of the loan.