Last Updated: 04/18/2025
City National Bank Home Purchase Loans
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
600 - 850
Amount Range
Up to $1,000,000
Loan Term (Years)
15 - 30
City National Bank Home Purchase Loans Review
City National Bank Home Purchase Loans is offered by City National Bank of Texas (NMLS #429921), a bank founded in 1889 and based in Sulphur Springs, TX. City National Bank Home Purchase Loans are available in 1 state.
Key Takeaways
- Only two mortgage programs offered. City National Bank Home Purchase Loans provides FHA VA conforming and conventional mortgages.
- Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
- Standard interest rates types. City National Bank Home Purchase Loans offers adjustable-rate mortgages and fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for City National Bank Home Purchase Loans.
City National Bank Home Purchase Loans Pros & Cons
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City National Bank Home Purchase Loans FAQ
How much can you borrow via City National Bank of Texas?
City National Bank Home Purchase Loans allows borrowers to apply for loan amounts of up to $1,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with City National Bank Home Purchase Loans?
City National Bank Home Purchase Loans offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does City National Bank of Texas offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, City National Bank Home Purchase Loans may charge a loan origination fee .
Does City National Bank Home Purchase Loans charge prepayment fees?
No, City National Bank Home Purchase Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.
What mortgage programs are available?
Besides conventional mortgages, City National Bank Home Purchase Loans offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
What property usage types does City National Bank Home Purchase Loans allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. City National Bank Home Purchase Loans allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for City National Bank Home Purchase Loans is (833) 501-8764.
What is the support contact email?
The support contact email for is info@cnbt.bank.
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Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
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