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  The Citizens National Bank Home Loan

The Citizens National Bank Home Loan

in Home Purchase Mortgages from The Citizens National Bank · NMLS ID #401629

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The Citizens National Bank Home Loan

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in Home Purchase Mortgages from The Citizens National Bank · NMLS ID #401629

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Highlights
Loan Amount N/A
Loan Term (Years) N/A
Credit Score Range 650 - 840

The Citizens National Bank Home Loan Review

The Citizens National Bank Home Loan is offered by The Citizens National Bank (NMLS #401629), a bank founded in 1915 and based in Greenleaf, KS. The Citizens National Bank Home Loan is available in 1 state across the USA.

Key Takeaways
  • Only offers one mortgage pogram. The Citizens National Bank Home Loan only provides
  • Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
  • Standard interest rates types. The Citizens National Bank Home Loan offers adjustable-rate mortgages and fixed-rate mortgages.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, The Citizens National Bank Home Loan does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Fair credit accepted. Borrowers with a credit score as low as 650 may qualify for The Citizens National Bank Home Loan.
The Citizens National Bank Home Loan Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 1 state.
The Citizens National Bank Home Loan FAQ

What mortgage rates does The Citizens National Bank 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.

Does The Citizens National Bank Home Loan charge an application fee?

Do they charge mortgage origination fees?

Yes, The Citizens National Bank Home Loan may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, The Citizens National Bank Home Loan offers the following mortgage types:

What property usage types does The Citizens National Bank Home Loan allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. The Citizens National Bank Home Loan allows the following property usage types: 

  • Primary home
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Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

Credit Score Range 650 - 840
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Intended Use Primary Home
Joint Loan Applications Accepted
  • Individual Applications
Minimum Age 18
Property Type
  • Single Family Home
  • Townhome
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
  • Driver License (or other photo ID)
Primary Residence
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Mortgage Programs N/A

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