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Citizens Bank’s 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. The property must be an owner occupied single family unit; manufactured housing is eligible as long as you own the lot it is placed on.

Below are the First-Time Home Buyer Program features that help you get into a house more easily:
  • 10% cash down*
  • $850 origination fee to cover appraiser, attorney, credit report, recording fees and flood determination expenses
  • No closing costs
  • No PMI (Private Mortgage Insurance) required
  • .25% rate discount with an auto debit loan payment from a Citizens Bank checking account
  • Select a fixed or adjustable rate mortgage that works with your budget

*Assistance with the down payment may be provided to qualified applicants through a program with the Home Ownership Center in Elkins. Contact a personal banker for details.

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Adjustable Rate Loans
Citizens Bank offers low-rate adjustable rate mortgages (ARMs) with 1 to 10 year ARM loans with flexible maturity options. Adjustable rate mortgages are available for conventional homes or manufactured homes (double-wides) affixed to permanent foundations.

You may earn a discount on the rate by having your payment automatically deducted from a Citizens Bank checking or savings account. You may also access your adjustable rate mortgage account via online banking to check your account balance and make online payments.

Adjustable rate mortgages have an interest rate cap and rates may increase or decrease every 1, 3, 5, 7 or 10 years depending on the product you choose.

Fixed Rate Loans
Choosing a fixed rate mortgage eliminates future interest rate fluctuations during your mortgage term. A fixed rate and term means you will know exactly what your interest rate and payment will be for the entire life of your loan.

Fixed rate loans are available for:
  • New Homes
  • Vacation or Second Homes
  • Condos
  • Refinances

All loans are subject to credit approval. Pre-Qualification letters are available upon request.

First Front Door

Through First Front Door, if you qualify, Citizens Mortgage Corp. will match your contribution 3-to-1. For every $1 you contribute, you can receive $3 in grant assistance, up to a maximum of $5,000.



Our registered Real Estate & Mortgage Lenders:
NMLS ID Numbers - Lenders
771252 - Gina Ball
518622 - Michelle Channels
1268143 - Jacqueline Cutlip 
518620 - Cindy DeMotto
518418 - William Jordan
541822 - Matthew Osborne
518619 - William Phillips
518420 - Tena Pritt
518415 - Deborah Ritter
291498- Traci Wilson 

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