Mortgage Rates

MORTGAGE RATES EFFECTIVE AS OF April 13, 2018

Owner-Occupied Property

Fixed Interest Rate APR* Monthly Pmt Months
10 Year 4.25% 4.3596% $1024.38 120
15 Year 4.375% 4.4515% $758.62 180
20 Year 4.50% 4.5602% $632.65 240
30 Year 4.75% 4.7946% $521.65 360

Note: The rates assume a single-family property,  20% down payment (Citizens does offer a 10% down payment loan, contact Loan Officer Teri Hensley at 859-431-0087 with questions) and an anticipated lock period and closing date of 30 days out. The APR calculation assumes a loan amount of $100,000 plus origination and 15 days of interest as applicable.

Note 2: Citizens offers Adjustable Mortgage Loans as well, contact 859-431-0087 and ask for Teri Hensley or Glenn Meyers for a quote.

Note 3: Rates are subject to change without notice.

Investment Property

First Mortgage Loans

Fixed Interest Rate APR* Monthly Pmt Months
10 Year 6.25% 6.4753% $1122.80 120
15 Year 6.625% 6.7867% $877.99 180
20 Year 6.875% 7.0059% $767.81 240
25 Year 7.125% 7.2387% $714.77 300

Note: The rates assume a 25% down payment, single family property (Citizens does offer financing for multi unit properties, please contact Loan Officer Teri Hensley at 859-431-0087 with questions) and an anticipated lock period and closing date of 30 days out. The APR calculation assumes a loan amount of $100,000 plus origination and 15 days of interest as applicable.

Note 2: Citizens offers Adjustable Mortgage Loans as well, contact 859-431-0087 and ask for Teri Hensley or Glenn Meyers for a quote.

Note 3: Rates are subject to change without notice.

Equity Plus Lines of Credit

 

Effective May 25, 2017

Owner Occupied: Single Family – 10 Year Terms

Up to 50% Loan to Value
$10,000 – $24,999 Prime Plus 1.5
$25,000 – $100,00 Prime Plus 0.5
Up to 50% – 1st Mortgage Position (no mortgages whatsoever)
$25,000 – $100,000 Prime Plus 0.0
Over 50% up to 80% Loan to Value
$10,000 – $24,999 Prime Plus 1.50
$25,000 – $100,000 Prime Plus 1.00
Over 80% up to 90% Loan to Value
$10,000 – $24,999 Prime Plus 2.5
$25,000 – $100,000 Prime Plus 2.0

Investment Property: Non-Owner Occupied – 5 Year Terms

Single Family Investment (or Owner occupied 2 Family)

Up to 50% Loan to Value
$10,000 – $24,999 Prime Plus 2.5
$25,000 – $100,000 Prime Plus 2.0
Over 50% up to 70% Loan to Value
$10,000 – $24,999 Prime Plus 3.0
$25,000 – $100,000 Prime Plus 2.5
 
     
                                    2-4 Family Investment – 70% max LTV    
 Up to 70% Loan to Value
$10,000 – $24,999  Prime Plus 3.5
$25,000 – $100,000  Prime Plus 3.0 
1 Family Rates – 70% max LTV Terms   
     
 * Rates are subject to change at anytime    

All Equity lines are 1st Mortgage Liens, unless Citizens Federal has the current mortgage in a 1st Lien priority

 

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