Citizens Bank and Trust offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Conventional Loan products from Fannie Mae and Freddie Mac. FHA Loans, VA Loans, USDA Rural Development Loans and Jumbo Loans.
 
Conventional
FHA
VA
USDA RD
JUMBO Loan Products

Conventional

 Offering conforming FannieMae and Freddie Mac mortgage loan products. 

  20, 15 and 10 year loan terms in addition to the 30 yr term.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
4.125%4.587%0%
 

 


FHA

Offering FHA loan products.  FHA requires a 3.5% downpayment and has a UpFront Mortgage Insurance requirement as well as a monthly FHA Mortgage Insurance Premium. 

  25, 20 and 15 yr terms in addition to the 30 yr term

Term: 30 years  
RatesAPRPoints
3.75%4.202%0%
 

 


VA

 Offering VA Mortgage Loan Products. 

  25, 20, 15 and 10 yr terms in addition to the 30 yr term.

Term: 30 years  
RatesAPRPoints
3.75%4.202%0%
 

 


USDA RD

 Offering USDA Rural Development Guaranteed Loan Product.  Specific location qualifications and income limitations are required. 

Term: 30 years  
RatesAPRPoints
3.75%4.202%0%
 

 


JUMBO Loan Products

 Jumbo loans offered.  25, 20, 15 and 10 yr terms also offered.

Term: 30 years  
RatesAPRPoints
4.625%5.101%0%
 

 




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $175,000 with closing costs of $9,300. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $30,000. Your actual APR may be different depending upon these factors.