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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.

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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


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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