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New Purchase

Citizens Bank has adjustable rate and fixed rate mortgage loans with low rates and great terms to meet your home financing needs.

Refinancing
Do you want to save money on your current mortgage or need to consolidate debt? You may want to consider refinancing with our low rate, home loans.


First Time Home Buyer
Our first-time home buyer program is available to residents who have not owned a home in the previous three years or who have never owned a home. 


Manufactured Housing
Citizens has low rate and flexible home financing programs for manufactured and modular homes, including an option for first time home buyers. 


Construction
Citizens Bank serves the financing needs of individuals, builders and real estate developers to facilitate their success. 


Home Equity
If you own a home, one of the smartest ways to get money you need, with possible tax advantages, is to tap into your available equity.  


Title Insurance
Purchasing a home is most likely the single biggest investment you will ever make. Citizens Financial Services, an affiliate of Citizens Bank of West Virginia, offers title insurance to assure that no other individual or entity has a right, lien or claim to the property.

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