Whether it's your very first home or you're looking to move or upgrade, Citizens National Bank offers a variety of loan options and solutions to help you achieve your dreams. Our Universal Bankers are specialized in home loans and work with you every step of the way, guiding you through one of the most important decisions you'll ever make. We pride ourselves on being residential loan experts who live in your community, so we know the local real estate and housing market.
What makes Citizens National Bank's Universal Bankers different?
We aren't the kind of bank where lenders' hands are tied by credit scores. Citizens National Bank looks at a variety of factors in loan determinations, including credit history and payment history, as well as our own history and relationship with our customers, the value and type of housing or land being purchased or used, and the affordability of loan payments. Unlike other banks where lenders may be unfamiliar with our area, CNB's Universal Bankers are local people who grew up in Southeastern Ohio and know this area well. Most importantly, since our Universal Bankers are from this area, they want to help the people of Southeastern Ohio achieve their goals and dreams for both their personal satisfaction and the betterment of our communities. Below are some examples of residential/home loans:
Home Purchases and Construction
- Our knowledgeable Universal Bankers will guide you and simplify the entire process
- Quick approval time and speedy loan processing gets you in your home faster than other banks
- Our closing costs and fees are comparatively lower than most banks and save you money
- We offer a variety of accommodating terms for both fixed rate and adjustable rate products
- Buy or build the home of your dreams by contacting one of our Universal Bankers today!
Home Loan Refinancing
- We can refinance your existing loan, whether you're bringing it to CNB or already have it with us
- Take advantage of our variable rate loans with payment terms that are suitable for your needs
- Lower closing costs and fees compared to other banks makes refinancing an affordable option
- Loan modifications may be available for current customers to modify their rates or terms
- Refinance your existing loan and use the additional funds to build onto or upgrade your home
Home Equity Line of Credit
- Use your home's equity to upgrade your house, make repairs, or even for other purposes!
- Make advances from your HELOC by writing checks or depositing directly into your account(s)
- Enjoy the flexibility of a line of credit to complete all of your projects around the house
Other Home Equity Loans
- Second residential loans (commonly called "second mortgages") are available for your home
- Borrow against the additional equity in your residence in a closed-end second loan
- Complete additional projects around the house with a regular payment and loan term
*Contact a Universal Banker regarding residential loans for more information: 1-740-962-4565.
