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Mortgage Loans

Mortgage Loans

Finding the right mortgage can be as difficult as finding the right home. Citizens National Bank is committed to helping qualified applicants find the right financing for their needs. We offer construction loans, fixed rate and adjustable rate mortgages, and jumbo loans.  There’s no better time than the present! Use our Mortgage Calculator for payment and amortization tables and check out our Mortgage Resource Center to learn more about the mortgage process.


Are you in the market to purchase a home, but wonder what price range for a house is best for you?  Participate in our CNB Mortgage Prequalification Program and have your concerns addressed.  Once you complete a short survey, we will obtain a complimentary credit report, estimate the amount that you may be able to afford to pay for a home and contact you to explain the mortgage program(s) that may best meet your needs.


Home Equity Loans

We can lend up to 80% of the value of your primary residence, minus any existing first mortgage. With competitive terms and payments you can afford, we'll provide you with the prompt and friendly service that you deserve.


Home Equity Line of Credit

A Home Equity Line of Credit is a revolving line of credit secured by a mortgage on your house. You draw against this credit line on an “as needed” basis.  Use it for home improvements, cars and recreational vehicles, emergencies, education expenses, and vacation. Your interest rate is variable.


Home Equity Installment Loan

This is a fixed term, fixed rate installment loan secured by a mortgage on your house. You can use the equity in your home for what you’ve always wanted. With this loan type, you immediately receive the entire balance of your loan and start repaying with fixed monthly installments. Various terms and rates are available.