Mortgages

Home Mortgages

  • We offer fixed rate, adjustable rate, Federal Housing Administration (FHA), and Veterans Administration (VA) loans
  • Stated income and no documentation loans are available to qualified borrowers
  • Rapid pre-approval process

Construction

  • We offer construction, and construction-permanent loans
  • One time close loans available
  • Rate lock options to guarantee rate on permanent loan

Home Equity Line of Credit

  • We offer HELOC's and fixed second mortgages
  • Alternative documentation options available to qualified borrowers

Investment Property

  • We offer loans on condos, 2-4 unit properties, and single family investment property
  • Alternative documentation options available to qualified borrowers

Mobile Homes amd Manufactured Homes

  • We offer fixed and adjustable rate loans
  • We have options for singlewide, doublewide, and manufactured homes with additions


Land Only Loans

  • Purchase of residential lots or unimproved acreage
  • We also offer loans to help you build on the unimproved lot

How to Apply

To apply for a mortgage loan you are welcome to give us a call, or come into one of our branch offices. Just ask for one of our qualified loan officers. You may print off our online application package as well, to expedite the process.


Mortgage Loan Originator ID #'s

NATIONWIDE MORTGAGE LICENSING SYSTEM

Citizens First Bank
Mortgage Loan Originator ID Numbers

NMLS ID # Mortgage Lending Originator Name
494994 Scott E. Burke
494993 Darren Blake Culver
494995 Alisa M. Disney
494991 Susan M. Ganzert
497205 Michael C. Goodpasture
494997 James David Harris
530785 Richard M. Hayes
500743 Jana M. Martin
494996 Candice McGrath
494992 Billy M. Rice

Citizens First Bank's Institution ID with the Nationwide Mortgage Licensing System is 440439

Effective: June 10, 2011

 

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand accounts that may earn interest, NOW Accounts, money-market deposit accounts and interest on Lawyers Trust Accounts ("IOLTAs")

For more information about temporary FDIC insurance coverage accounts, visit www.fdic.gov.

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