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Manufactured & Modular Financing Programs
Citizens Bank finances many manufactured and modular homes in our region. We look forward to helping you finance the purchase of your new home too! 


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First Time Home Buyers

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 or modular 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 your new home more easily:

  • 10% cash down*
  • $749 origination fee to cover appraiser, attorney, credit report, recording fees and flood determination expenses
  • 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 one of our mortgage lenders for details.


Low Rate Loans

Citizens Bank offers 1, 3, 5, and 7 year low-rate adjustable mortgages (ARMs) with flexible maturity options. Adjustable rate mortgages are available for manufactured or modular homes 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. Contact a personal banker for details.


Citizens Bank of WV NMLS ID Number: 509420

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
1751326 - Jennifer Poling
518420 - Tena Pritt
518415 - Deborah Ritter
1483046 - Kimberly Strickland
291498- Traci Hopkins


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