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Home Loan Fixed Rate
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Home Loan Adjustable Rate Mortgage
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Home Equity Line of Credit
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Commercial - Business - Agricultural
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Consumer Loan
Car - Boat - Personal |
| Required Documentation |
Loan application; credit report; appraisal; income verification; asset verification | Loan application; credit report; appraisal; income verification; asset verification | Appraisal; credit report; Title insurance | Last 3 years' financial statements and tax returns; monthly financial statement; recent A/R & A/P listings; personal fin. statement & 2 years personal tax returns | Tax return or last pay stub; application |
| Closing costs |
Appraisal; credit report; title insurance; escrow deposit for taxes and insurance; misc. fees | Appraisal; credit report; title insurance; escrow deposit for taxes and insurance; misc. fees | Misc. fees (filing, title work, etc.) | Various fees apply | |
| Features | Consistent payment; low down payment | Lower initial rate, fixed at 1, 3, or 5 years; caps on rate increases; low down payment | Uses equity in residence; favorable interest rates; interest MAY be tax deductible | Quick turn-around time; no appointment needed | |
 Citizens Bank and Trust
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