Personal Loans

The Citizens Bank offers a wide range of loan products to meet all your needs.

    • Mortgage
    • Home Equity
    • Automobiles
    • Home Improvement
    • Construction Loans
    • Personal Loans

 

Loans

We offer a loan for just about anything – whether you have an unexpected expense or just want to consolidate your debt, these loans provide cash now and offer flexible payments based on your personal situation.

  • Loan Amount varies based on credit approval
  • Loans may be unsecured or secured with collateral, depending on your credit profile
  • Rate varies depending on your credit profile, term, and collateral.

How do I apply?

To get a head start please download and fill out our Pre-Application Checklist.

Home Mortgage

Purchase

We take great pride in having loan officers who can provide advice and answer questions on how you can get the most out of your mortgage. We offer highly competitive in-house and secondary market mortgage loan products that provide numerous rate, term, and down payment options so we can customize the perfect home loan for you.

Purchase or Refinance

Whether you are purchasing a home or refinancing your existing home, we will help you find the best loan program to achieve your goals.

Details

  • We offer Conventional, FHA, VA, and USDA loans.
  • We offer Jumbo Loans.
  • Interest Rate varies depending on loan program, credit profile, property and loan term.

How do I apply?

To get a head start please download and fill out our Pre-Application Checklist.

Home Equity

Use the equity in your home to finance a remodel, consolidate debt or finance other big purchases.

Details

  • Borrow based on the value of your home, subject to credit approval.
  • Rate varies depending on your credit profile, term, and property specifics.

How do I apply?

To get a head start please download and fill out our Pre-Application Checklist.

Construction Loans

While some search for their dream house amongst homes already built, others prefer to customize their home from the ground up. The Citizens Bank has expert lenders that can guide you through the process.

Details

  • Borrow based on the value of your completed home, subject to credit approval.
  • Interest only payments while you complete construction.
  • “One time close” products available.
  • Full array of permanent financing options available upon completion.
  • Jumbo construction loans available.
  • Rate varies depending on your credit profile, term, and home specifics.

How do I apply?

Automobiles

Whether you are hunting for a new or used vehicle, we can have you ready to roll in no time!

Details

  • Get pre-approved before you go shopping.
  • Rate varies depending on your credit profile, term, and vehicle.

How do I apply?

To get a head start please download and fill out our Pre-Application Checklist.

Recreational Vehicles

Whether you want to say hello to the open road, create your own path, or spend a day out on the water, we want to help you enjoy your day!

RV Details

  • Finance new or used RVs.
  • Rate and terms vary depending on your credit profile and RV specifics.

Boat Details

  • Finance new or used boats.
  • Rate and terms vary depending on your credit profile and boat specifics.

ATV Details

  • Finance new or used ATVs.
  • Rate and terms vary depending on your credit profile and ATV specifics.

Lending Team

Bath County
Susan Thompson NMLS #1107598
Sam Wright NMLS #665113

Morgan County
Brandon Evans NMLS #465951

Rowan County
Mike Alderman NMLS #665111
Mary Beth Cummins NMLS # 665114
Tripp Holbrook NMLS #665109

 

 

Get Started

To get a head start on your loan, please fill out this Pre-Application Checklist.

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