Types
Purchase or Refinance
Construction Loans
Construction-Permanent Loans
Home Improvement
Home Equity Loans
Rural Home Loans
"Bridge Loans" (purchases)
Rental Property - purchase, refinance, or cash out refinance *
Commercial Property Loans *
Rates
Competitive Fixed Rates
Adjustable or Fixed on Commercial Property Loans
Escrow
An escrow account may be established for the payment of taxes, and hazard insurance.
Closing Costs
Citizens 1st Bank strives to keep closing costs to a minimum.
Typical closing costs for a mortgage loan may be as much as 50% less than our competitors. Our experienced
mortgage loan officers will be happy to compare our closing costs with other estimates you may have received.
Low Documentation
For most applicants, all that is needed is a "Uniform Standard Residential Application",
the last two years tax returns and the most recent pay stubs.
* Investor and Commercial loans have different requirements than
our owner occupied loans.
Please contact us concerning the terms and conditions for these types of loans.
Citizens 1st Bank excels in working one on one with our clients, making the purchase of your home a hassle-free experience.
E-mail us with your mortgage loan questions.
Loan Officers
| Ben Blake |
MLO # 819906 |
| Jamie Boyd |
MLO # 684621 |
| Kevin Garrison |
MLO # 684612 |
| Randall Grooms |
MLO # 684613 |
| Charles Hassell |
MLO # 684615 |
| James Perkins |
MLO # 684616 |
| Chris Sidnell |
MLO # 684618 |
| Kim Snyder |
MLO # 684619 |
| James Wood |
MLO # 684620 |
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