If you are exploring the idea of purchasing or building a home, Citizens 1st National Bank is here for you. We have the expertise you expect and the service you deserve. We can tailor a real estate loan to your individual situation. Secure a loan with as little as 5% down or take up to 30 years to pay it off, or any combination in between! We offer construction loans to finance your dream of building. Once construction is complete, we will convert your loan into a real estate loan. Our flexible payment terms and competitive rates make Citizens 1st National Bank the 1st choice for your real estate needs.

Get Pre-Approved in just seconds with our EZ Real Estate Application before you even start shopping for a home or drawing up floor plans! With a Pre-Approval from Citizens 1st National Bank you can begin your journey with the confidence of knowing you are already approved.

There are two main types of mortgage refinances.

* Rate/Term Refinance-Take advantage of Citizens 1st National Bank’s low mortgage rates. Now is the perfect time to lower your monthly payment or shorten the length of your loan to save money.

* Cash-Out Refinance- While you’re lowering your interest rate, consider using your home’s equity to pay for major purchases or to make home improvements.

Estimate your monthly payment with our calculator !

Apply here to fill out our online application or Contact Us with questions.