An important step in getting a home you’ll love is finding the mortgage that’s right for you. Let us help you find a mortgage that makes home ownership simple, straightforward—and affordable. We are committed to making the home-buying process easier. We know that sometimes saving enough money for a down payment can be challenging. Recognizing this challenge we offer a wide array of no to low down payment assistance program solutions as well as mortgage products that are ideal for home buyers with limited funds for closing costs.
YOU DESERVE TO OWN THE HOME OF YOUR DREAMS, and we can help make that dream a reality.
Buy A Home
From a starter home to retirement Explore your mortgage solution options Government Loans – (FHA, VA, USDA and Renovation Loans)
- Low down payment requirements
- * 100% financing (VA and USDA only)
CONVENTIONAL LOANS
- 3-5% down payment
- Low PMI
JUMBO LOANS
- MAX Loan $2.5M
BANK-STATEMENT and CASH-OUT REFINANCE PROGRAMS
- Self-employed borrower and refinancing options
* The loan amount could exceed the value of the dwelling. The interest on the portion of the loan that exceeds the value is not taxed deductible. Consult a tax adviser for more details.
Refinance A Home
1st-Time Home Buyer
- Assess your needs and recommend the best loan option for you
- Provide an overview of the loan process so you will know what to expect
- Guide you through the transaction step-by–step
- Answer your questions promptly
- Close on time
At Citizens Trust Bank, we are deeply committed to promoting community economic growth and stability. Through our Community Involvement Project, we prioritize personalized engagement with both our customers and the community, ensuring mutual benefits and creating a win for everyone. Our dedicated efforts and conscious contributions not only enhance our performance but also strengthen our role as a valued partner in fostering a thriving, resilient community.
Yulanda Munford
NMLS# 785434
678.406.4135
Sharron Kelly
Kenyatta Webb
Larry Brown
Onika Bradford
Thea Price
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