Click on the GMFS link below to start a loan application. Know exactly what your monthly payment will be for the next 10, 15, 20, or 30 years when you lock in with a fixed rate mortgage loan. Ensure your monthly payments and interest rate don't change with a fixed-rate mortgage loan.
All offers need to be submitted to the listing agent. If you have your own real estate agent, they should submit all offers through the listing agent. The listing agent will submit all offers to Citi for review. You will be linking to another website not owned or operated by Community Bank. The inclusion of any hyperlink does not imply any endorsement, investigation, verification, or monitoring by Community Bank of any information in any hyperlinked site.
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A mortgage loan payment is made up of two things—a payment toward the principal amount, and a payment toward the interest. Paying these two things off in equal installments over a set time period is called mortgage amortization. When you first start paying off your mortgage, most of the payment is applied to the interest. Over time, your principal payments catch up until your loan is paid off. Make lower payments now and stay protected from high rates later with this type of mortgage loan. Build the home of your dreams with an interest-only construction loan.
Submitting an application doesn't mean you're agreeing to a loan. You'll just need to enroll in Online Bill Pay. You can also have your payments drafted each month from your checking or savings account. With a mortgage, the borrower—or homebuyer—agrees to pay back the lender over a specified period of time with interest. The period of time, which is called a mortgage term, can vary from a few years to a few decades. Please refer to our security and privacy statements for additional terms and conditions.
Mortgage Rates
We know you have many choices when it comes to picking a lender. That’s why we work hard to deliver a kind of care and a mix of amenities you can only find at Citizens Bank - in addition to our great low rates. Home is all about comfort, which is why we want to make sure you’re comfortable with your home financing, too. When you apply for a mortgage from Citizens Bank, you’re joining the thousands of homeowners who have turned to us for help.
A mortgage is a type of loan used to buy or refinance a house, plot of land or other real estate property. Most homebuyers get a mortgage to finance the purchase of their home. Buying a home is no small achievement, and the process can look different from family to family. Whether in person or online, mortgage bankers are here to help take care of the details—big and small—so you can focus on celebrating the moments that matter most. With a pre-approval you can focus on the fun part, finding your dream home. Getting a pre-approval with us is free, easy and quick.
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Apply with the help of an experienced, dedicated loan officer – or on your own, at your convenience, using our online mortgage application. We’re always here to help you throughout the process – how much or how little you need us is up to you. Choosing the right mortgage is just as important as choosing the right house. That's why we offer a variety of products, each with different features and advantages. Plus, our dedicated team of mortgage bankers is here to help you find the right loan for where you are in your life.
† Calls are randomly monitored and recorded to ensure quality service. REO, ("Real Estate Owned"), is a term used to describe a property that was acquired, normally as a result of a foreclosure. All information is provided on an "as is" basis and without warranty as to accuracy and completeness. We are directing you to Sallie Mae®, another website not owned or operated by Community Bank. Bank deposit products are offered by First Citizens Bank. Tap into your home's equity for your next big purchase or renovation project.
After the construction period, easily modify to a standard fixed or adjustable rate mortgage – no second loan closing required. On that page, select the Create Account button located below the Log In button. Even if you have a First Citizens digital banking account, you'll need to create an account for our application system.
If we ever need to relocate or downsize, we know they'll be there for that too. And that means spending less time feeling stressed over financing and more time building memories with loved ones. Government-backed home loans can help put home ownership within reach. Talk to our experts about ways we can make a residential investment property happen for you. Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your mortgage in just a few days.
I cannot find a Citi property on the website.The property may not be available for sale at this time because it is occupied, in redemption, or undergoing repairs. Contact your real estate agent to see if the property is currently listed. When you select the link below, you'll be taken to the login page for our mortgage application system. Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
We offer some of the latest mortgage technology tools available like many of those found with nationwide online lenders, but we offer something more. We offer a Mortgage Loan Officer you can see face-to-face, someone you can get to know and trust or talk to at any time. Someone that you know that lives and works in the same community you do. Out of state, online lenders can’t offer that. Lastly, at Community Bank, all of our employees are also owners/stockholders in the bank.
Your credit score measures your credit risk relative to the rest of consumers, based on your credit usage history. Higher credit risk scores can mean lower rates and better loan terms. In 2016, Citizens Bank & Trust partnered with local lender GMFS to provide an even wider variety of home mortgage products. With this partnership, we are able to offer longer terms with very competitive rates. Additional loan products now available through Citizens include Conventional and Government programs such as FHA Loans, VA Loans and USDA .
A letter of pre-approval identifies you as a serious buyer and can be a good negotiating tool with the seller. A Pre-approval requires an application and a credit report. Usually, employment pay stubs, financial asset statements, and year-end W2 forms are required at this point. For most buyers, we can complete pre-approval within a few hours. Our Mortgage Lenders are happy to help get the financing setup to make your home-buying process more enjoyable.
If the borrower defaults on their loan, the lender may take the collateral as payment. Once the mortgage is paid off, the lender no longer has any secured interest in the property and the homeowner owns it outright. First, we created an online account in a few quick steps. We personalized all of our information, added details about the property and were able to log in at any time to check the status of our application.
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