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Citizens National Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional Loans
Construction Loans
USDA Rural Housing
FHA Loans
VA Loans
Vacant Lot Loan
Home Equity Loans

Conventional Loans
A fixed rate product that ensures a consistent monthly mortgage payment, with minimum of 3% down payment required.

Construction Loans
We are proud to offer construction financing with products that provide local processing, underwriting and servicing, as well as permanent mortgage financing options.

USDA Rural Housing
For homes in eligible rural areas, this program is backed by the U.S. Department of Agriculture with NO DOWN PAYMENT required.

FHA Loans
Lower credit requirements, and as little as 3.50% down making this one of our most flexible loan options.

VA Loans
An exclusive, well-earned benefit, the VA loan requires NO DOWN PAYMENT and NO MONTHLY MORTGAGE INSURANCE.

Vacant Lot Loan
We are proud to offer programs for vacant land financing that are processed, underwritten and serviced locally.

Home Equity Loans
We are proud to offer programs for Home Equity Loans that are processed, underwritten and serviced locally.



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 $417,000 with closing costs of $8,340. 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 $20,000. Your actual APR may be different depending upon these factors.