Get Professional And Personalized Advice For Your Home Loan
The history of Citizens National Bank spans 100 years of growth, change and progress both in banking and the world at large.
Construction Loans
When building a custom home, investment property, or commercial building, a construction loan is often necessary to meet the extended time frame and special needs of the building process.
Our residential home loans have a construction term of 9 months with an additional 90 days to complete construction if needed. Commercial projects have a term of 12 months with an additional 90 days for completion, if necessary.
Real Estate/In-House Mortgage Loans
Citizens National Bank now offers an in house home loan that could save you thousands of dollars in closing costs.
This loan product is a great alternative to paying higher fees recently added by national mortgage agencies. With this loan, there are no points and various terms available.
Bridge Loans
A bridge loan is best suited to the customer who finds their dream home but has not sold their current home. We work with the customer to help make that dream home a reality!
We can do 100% financing for the new home by using the equity in their current home until the house sells.
These loans are structured for 12 months with interest monthly. At the time of sale, the customer would need to decide on a permanent financing option which we may provide to them.
(606) 679-6341
(606) 679-6341
Let us help guide you through the home loan process.
Our superior customer service makes all the difference.
Citizens National Bank is a locally owned, community-oriented bank headquartered in Somerset, Kentucky.
- Click Apply Now and complete the application.
- When you have completed the application, click submit and your information will be reviewed.
- A Citizens National Bank Lender will follow up to answer your questions.
CNB Quick Mortgage
Real Estate/In-House Mortgage Loans
Citizens National Bank now offers an in house home loan that could save you thousands of dollars in closing costs.
This loan product is a great alternative to paying higher fees recently added by national mortgage agencies. With this loan, there are no points and various terms available.
Construction Loans
When building a custom home, investment property, or commercial building, a construction loan is often necessary to meet the extended time frame and special needs of the building process.
Our residential home loans have a construction term of 9 months with an additional 90 days to complete construction if needed. Commercial projects have a term of 12 months with an additional 90 days for completion, if necessary.
Bridge Loans
A bridge loan is best suited to the customer who finds their dream home but has not sold their current home. We work with the customer to help make that dream home a reality!
We can do 100% financing for the new home by using the equity in their current home until the house sells.
These loans are structured for 12 months with interest monthly. At the time of sale, the customer would need to decide on a permanent financing option which we may provide to them.
Our superior customer service makes all the difference.
Let us help you buy your dream home!