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Mortgage Loans

At Citizens Bank, our desire is to make your dreams of home ownership or refinancing a reality. For prompt answers and service that will exceed your expectations, talk with one of our Mortgage Loan professionals about any of the following loan options available to help meet your mortgage needs:

  • Fixed-rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • Jumbo loans
  • FHA Loans
  • VA Loans
  • First Time Buyers Program
  • Debt Consolidation and Equity Refinance
  • In-House Balloon Mortgages with amortization to 20 years
  • Mississippi Home Corporation Approved Lender
  • Low and Moderate Income Program:
    • Rural Housing Guaranteed loans
    • 100% Financing Program

Our mortgage professionals can help guide you through the wide variety of mortgage options to determine the most appropriate loan to meet your unique needs.


Fixed Rate Mortgage (Terms: 10 to 30 years)

A fixed rate mortgage offers you the security of having the same interest rate for the full term of your loan.


Adjustable Rate Mortgage (ARM)

An ARM typically offers a lower starting interest rate than a fixed rate loan. However, the interest rate can adjust upward or downward depending on the movement of the market index associated with your loan. A “cap” on your interest rate will limit the amount the rate can change within a given time. We have a number of plans offering fixed interest rates for a variety of terms.


Mortgage Calculators

At Citizens Bank, we realize how valuable  Mortgage Calculators  can be when preparing for your home purchase or the refinance of your existing home loan.  For your convenience, Mortgage Calculators are available by selecting Financial Calculators under the Financial Tools tab at the top of the screen or by simply Clicking here.