Ready to buy a new home?

At Citizens Bank & Trust, we understand that buying a house can be challenging in today’s market. Our Community Mortgage Program was developed to make the dream of homeownership accessible to more individuals and families.

Citizens Bank & Trust offers a wide variety of home mortgage loans, including:

  • Low down payment government-backed loans
  • Community mortgage program
    • Up to 100% financing
    • 30-year fixed-rate portfolio program1
    • No private mortgage insurance (PMI) required

To learn more about the Community Mortgage Program, contact Melissa Cummings today, who can discuss the program requirements and assist you with the application process.

1 Promotional Rates offered for a limited time only and may end without notice. Offer limited to primary residences with a minimum loan amount of $25,000. Loans subject to credit and underwriting approval. Additional requirements include a minimum credit score of 600, down payment, property appraisal and insurance. Other fees and restrictions may apply, see your lender for details.

Melissa Cummings

MELISSA CUMMINGS

Residential Lender / Business Development Officer

NMLS ID# 1475772

(352) 467-7054
Melissa.Cummings@citizens-bank.com

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.