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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! 

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
518415 - Deborah Ritter
1483046 - Kimberly Strickland
291498- Traci Hopkins

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