Citizens Tri-County Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional Mortgage
Rural Development (RD)
FHA
VA
Refinance and purchase transactions on Primary, Second Homes, and Investment Properties
Construction to permenant financing
Jumbo Loans

Conventional Mortgage
Up to 97% financing on purchases. Refinanced up to 90% on a rate and term refinance. Cash out refinance up to 80%. Loans over 80% may have mortgage insurance lender paid or monthly. Eligible properties are primary, second home, or investment. Second homes and investment properties are subject to lower loan to values. Available in 10, 15, 20, 25, and 30 year terms. Plus Flex term matching what you currently owe on existing mortgage 620 or greater credit score, for consideration ALL PRODUCTS ARE SUBJECT TO GUIDELINES, LOAN APPROVAL AND ARE AT THE DISCRECTION OF UNDERWRITING

Term: 30 years   Maximum Amount: $417,000

Rural Development (RD)
100% financing for low to moderate household income. Property must be located in eligible area that is acceptable to Rural Development guidelines. Seller can pay up to 6% of sales price towards buyer's closing cost and prepaids. Loan term 30 years, and existing rural development customers may refinance their current RD loan, into a new RD loan. 660 credit score is preferred for Guaranteed Underwriting Systems automated approval, and manual underwrites down to 620 for manual underwrite consideration Primary Residence only. ALL PRODUCTS ARE SUBJECT TO GUIDELINES, LOAN APPROVAL AND ARE AT THE DISCRECTION OF UNDERWRITING

Term: 30 years  

FHA
Up to 96.5% on purchase transactions and seller's may pay up to 6% of sales contract towards buyer's closing cost and prepaids. Aggressive loan to values on refinances and cash out refinances up to 85%. Double wide manufactured homes on permanent foundation may be eligible for financing under FHA guidelines. 15 to 30 year terms available. Primary residence only. Minimum credit score down to 620 considered , however a 620 plus credit score is recommended ALL PRODUCTS ARE SUBJECT TO GUIDELINES, LOAN APPROVAL AND ARE AT THE DISCRECTION OF UNDERWRITING

Term: 30 years   Maximum Amount: $271,050

VA
Up to 100% financing for VA qualified borrowers, high loan to value cash out and rate and term refinances. Seller concessions allowed on purchases. Loan amount is determined by Veteran's eligibility. Down to 620 credit score may be considered. Primary residence only. ALL PRODUCTS ARE SUBJECT TO GUIDELINES, LOAN APPROVAL AND ARE AT THE DISCRECTION OF UNDERWRITING

Term: 30 years  

Refinance and purchase transactions on Primary, Second Homes, and Investment Properties

Construction to permenant financing
Allow us to offer you one of our many products to meet the needs when you home is constructed and it is time to pay off your construction loan. Our bank does construction loans so we are very familiar with the process of refinancing you our of your current construction loan.

Jumbo Loans
Have a loan over 424,100 we have Jumbo products available. ALL PRODUCTS ARE SUBJECT TO GUIDELINES, LOAN APPROVAL AND ARE AT THE DISCRECTION OF UNDERWRITING

Term: 30 years  


  • New Home Purchase
  • Refinancing
  • FHA
  • VA
  • USDA
  • Conventional
  • Construction to perm

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.