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Citizens National Bank offers a wide variety of mortgage loans to accommodate buyers of all types. The program you choose will depend on a variety of factors including income, credit history, interest rates, available cash, and how long you intend to live in the home. Your loan officer will be happy to discuss your options and answer any questions you may have.

Mortgage Rates
Effective through 11:00AM July 28, 2017. Rates subject to change daily.

Fixed Rate Mortgages
Term/Type Rate Points APR
30 Year Fixed 4.125% 0.00pts 4.125%
30 Year Fixed 4.000% 0.50pts 4.042%
30 Year Fixed 3.875% 1.00pts 3.958%
20 Year Fixed 3.875% 0.00pts 3.875%
20 Year Fixed 3.750% 0.50pts 3.807%
20 Year Fixed 3.625% 1.00pts 3.739%
15 Year Fixed 3.375% 0.00pts 3.375%
15 Year Fixed 3.250% 0.50pts 3.323%
15 Year Fixed 3.125% 1.00pts 3.270%

Adjustable Rate Mortgage 1
Type Rate APR Maximum Term
5/1 Year ARM 4.750% 4.770% 30 Years

1 The APR and payment are subject to increase after closing. Rates caps are 2% Year/ 6% Life. Max LTV is 80%

Second Mortgage & Home Equity Rates
Effective through 11:00AM July 28, 2017. Rates subject to change daily.

Second Mortgages 1
Owner occupied properties only
Type Max Term APR (%)
1 Year Adjustable Rate 10 Years 6.000%
3 Year Adjustable Rate 10 Years 6.375%

Home Equity Credit Lines 2
Owner occupied properties only
Type Term APR (%)
LTV 80% or Less
5 Year - Fixed Rate 5 Years 5.00%
PrimeTime Home Equity LOC3
Line > $60,000 10 Years 5.00%
Line $40,000 - $59,999 10 Years 5.00%
Line $20,000 - $39,999 10 Years 5.00%
Line < $20,000 10 Years 5.00%

1 APR and payment subject to increase after closing.

2 Home Equity Credit Lines require a $100 documentation fee for CNB mortgage customers, which will be waived if the credit line is opened at the time of a 1st mortgage closing. Non-CNB mortgage customers are required to pay $225 documentation fee. Offer subject to normal credit approval. A balloon payment may result at the end of the term. The annual maintenance fee is waived for the first year. Thereafter the annual maintenance fee will be $50. A Prepayment Penalty of $250 will be assessed if the loan is paid in full and closed during years 1 and 2. There must be a $5,000 minimum available credit to open the account. The maximum APR is 17.5%. The minimum APR that can apply during the line of credit is 5%. Consult tax advisor regarding deductibility of interest. Property insurance is required.

3 The interest rate and APR is based on an index plus a margin. The index used is the prime rate as published in the Wall Street Journal. The interest rate may vary daily based upon changes in the prime rate. The maximum APR is 17.5%. The minimum APR that can apply during the line of credit is 5%. For lines opened with $60,000 or greater available credit, the rate will be prime minus 1/4%. For lines opened with $40,000 to $59,999 available credit, the rate will be equal to prime plus 3/4%. For lines opened with $20,000 to $39,999 available credit, the rate will be equal to prime plus 1 1/4%. For lines opened with less than $20,000 available credit, the rate will be equal to prime plus 1 3/4%.

4 Maximum LTV is 80%.

APR = Annual Percentage Rate.
Mortgage Calculators

Adjustable Rate Mortgage Calculator
This calculator helps you to determine what your adjustable mortgage payments will be.

ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to a Fully Amortizing ARM.

Maximum Mortgage
Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.

Mortgage Comparison: 15 Years vs. 30 Years
Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Mortgage Loan Calculator
Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Points Calculator
Should you buy points? Use this calculator to find out.

Refinance Interest Savings
Use this calculator to see how much interest you can save by refinancing your mortgage!

Rent vs. Buy
Are you better off buying your home, or should you continue to rent?
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More Information
Learn more about our mortgage options today. Call:
1-800-262-4663
Mon. - Fri. 8:30 am - 5 pm EST
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