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Home Loans

Fixed Rate Mortgage Loans

At Citizens National Bank, we offer 30-year fixed-rate residential mortgage loans through trusted programs like Freddie Mac, Kentucky Housing Corporation (KHC), the VA, and FHA.

Our fixed-rate mortgage options feature low or even zero down payments—an ideal choice for first-time homebuyers.

Looking to refinance? Use your home’s equity to fund major purchases or other financial needs. In many cases, the interest may be tax-deductible—just check with your tax advisor to confirm.

Whatever your home financing goals, Citizens National Bank has a solution tailored to your needs.


For more information on any of these products, contact one of our experienced lenders.

Citizens National Bank also offers variable-rate loans that could save borrowers on closing costs.  With these loans, there are no points and various different terms available.  These loans are not sold and if you need assistance with them you can contact your local banker for assistance.

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 loans have a construction term of 12 months.
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 generally for a term of 12 months with interest payments monthly.  At the time of sale, we can assist the customer with determining the best options for financing the remaining balance.
  • 30-year fixed interest rate
  • Down Payment Assistance: $10,000 can be used for down payment, closing costs, taxes & insurance
  • Types of Loans Serviced by KHC:
    • 97% conventional loan - seller can pay 3% of closing costs & prepaids if stated in contract | 3% down payment (KHC down payment assistance can be used)
    • Federal Housing Administration (see below)
    • US Department of Agriculture/ Rural Housing (see below)
    • Veterans Administrations (see below)
  • Insured by the Federal Housing Administration
  • 3.5% down payment
  • Seller can pay up to 6% of closing cost and pre-paid if stated in contract
  • KHC DAP applicable
  • Upfront & monthly mortgage insurance
  • Minimum 620 credit score
  • Guaranteed by Rural Housing Services (RHS)
  • Home must be located in a rural area as defined by RHS
  • No down payment if the property appraises for the sales price or greater
  • Seller can pay up to 6% of closing cost and pre-paid if stated in contract
  • KHC DAP applicable
  • Upfront & monthly mortgage insurance
  • Minimum 620 credit score
  • Guaranteed by the Veterans Administration for qualified military veterans
  • No down payment if the property appraises for the sales price or greater
  • Seller can pay up to 6% of closing cost and pre-paid if stated in contract
  • KHC DAP applicable
  • Minimum 620 credit score
  • No monthly mortgage insurance payments




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