MORTGAGE RATES EFFECTIVE AS OF September 27 , 2024
Owner-Occupied Property
Fixed | Interest Rate | APR* | Monthly Pmt | Months |
---|---|---|---|---|
10 Year | 5.75% | 5.8631% | $1,097.69 | 120 |
15 Year | 5.875% | 5.9553% | $837.12 | 180 |
20 Year | 6.00% | 6.0641% | $716.43 | 240 |
30 Year | 6.25% | 6.2990% | $615.72 | 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 | 7.00% | 7.2290% | $1,161.08 | 120 |
15 Year | 7.125% | 7.2895% | $905.83 | 180 |
20 Year | 7.625% | 7.7602% | $813.25 | 240 |
25 Year | 7.875% | 7.9934% | $763.55 | 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