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There's no one-size-fits-all when it comes to the perfect house, and the same goes for your mortgage. Our mortgage bankers will work closely with you to understand your unique situation and help your family get into a new home. First mortgage loans are originated by Citibank,N.A. Who do I contact to make an offer on a Citi property?
We encourage you to review their privacy and security policies which may differ from Community Bank. If you “Proceed”, the link will open in a new window. After receiving your application, a mortgage banker will reach out to you to discuss your options. A mortgage is a secured loan, meaning the home is collateral for the loan.
Mortgage Rates
A mortgage loan payment is made up of two things—a payment toward the principal amount, and a payment toward the interest. Paying these two things off in equal installments over a set time period is called mortgage amortization. When you first start paying off your mortgage, most of the payment is applied to the interest. Over time, your principal payments catch up until your loan is paid off. Make lower payments now and stay protected from high rates later with this type of mortgage loan. Build the home of your dreams with an interest-only construction loan.
A letter of pre-approval identifies you as a serious buyer and can be a good negotiating tool with the seller. A Pre-approval requires an application and a credit report. Usually, employment pay stubs, financial asset statements, and year-end W2 forms are required at this point. For most buyers, we can complete pre-approval within a few hours. Our Mortgage Lenders are happy to help get the financing setup to make your home-buying process more enjoyable.
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A mortgage is a type of loan used to buy or refinance a house, plot of land or other real estate property. Most homebuyers get a mortgage to finance the purchase of their home. Buying a home is no small achievement, and the process can look different from family to family. Whether in person or online, mortgage bankers are here to help take care of the details—big and small—so you can focus on celebrating the moments that matter most. With a pre-approval you can focus on the fun part, finding your dream home. Getting a pre-approval with us is free, easy and quick.
If the borrower defaults on their loan, the lender may take the collateral as payment. Once the mortgage is paid off, the lender no longer has any secured interest in the property and the homeowner owns it outright. First, we created an online account in a few quick steps. We personalized all of our information, added details about the property and were able to log in at any time to check the status of our application.
Rate Calculator
Then it's time to apply for financing and turn your dream of buying a home into a reality. Save time when you get pre-qualified for a mortgage loan. It will help you estimate how much you can borrow so you can shop homes with confidence. Buying a Citi owned property is a great way to get more for your money. Foreclosed or REO properties are typically priced below their actual market value and offer great incentive for homebuyers.
After the construction period, easily modify to a standard fixed or adjustable rate mortgage – no second loan closing required. On that page, select the Create Account button located below the Log In button. Even if you have a First Citizens digital banking account, you'll need to create an account for our application system.
We offer some of the latest mortgage technology tools available like many of those found with nationwide online lenders, but we offer something more. We offer a Mortgage Loan Officer you can see face-to-face, someone you can get to know and trust or talk to at any time. Someone that you know that lives and works in the same community you do. Out of state, online lenders can’t offer that. Lastly, at Community Bank, all of our employees are also owners/stockholders in the bank.
This information does not constitute an offer to sell property. Our mobile app gives you the easy access your busy day demands, with all the tools you need. Make payments a snap in-store, at home or on the move. Our lenders are here to work through the options with you, to find your perfect mortgage match. How can I get more information about a property? Contact the listing agent shown on the property details page.
We know you have many choices when it comes to picking a lender. That’s why we work hard to deliver a kind of care and a mix of amenities you can only find at Citizens Bank - in addition to our great low rates. Home is all about comfort, which is why we want to make sure you’re comfortable with your home financing, too. When you apply for a mortgage from Citizens Bank, you’re joining the thousands of homeowners who have turned to us for help.
The agent may be able to provide more information regarding the property. Experience a better kind of bank, bringing the best in smart, personalized banking to where you live. Your business needs a banker who knows business inside and out.
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