Ready to buy a new home?
Save $500 on Closing Costs (limited time offer)!
At Citizens Bank & Trust, we understand that buying a house can be challenging in today’s market.
Citizens Bank & Trust offers a wide variety of home mortgage loans1 including:
- Low down payment government-backed loans
- Community Mortgage Program2
- $500 Lender Credit
- Up to 100% financing
- 30-year fixed-rate portfolio program
- No private mortgage insurance (PMI) required
- For a limited time, receive a $500 lender credit3 on closing costs through the Community Mortgage Program.
Our Community Mortgage Program was developed to make the dream of homeownership accessible to more individuals and families.
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 All loans subject to credit and underwriting approval, and the property securing the loan must be within the market areas of Citizens Bank & Trust (the "Bank').
2 This applies to an owner occupied 1-4 unit first lien residential property purchase mortgage loan. Offer limited to primary residences with a minimum loan amount of $25,000. Additional requirements include a minimum credit score of 640, down payment, property appraisal, and insurance. Promotional Rates offered. Other fees and restrictions may apply, see lender for details. All offers, including promotional rates and $500 lender credit, are for a limited time only and may end without notice.
3 The $500 lender credit towards closing costs applies to loans closed through the Bank’s Community Mortgage Program. The $500 credit would be applied as a lender credit at closing, has no cash value, and cannot be combined with other (lender) closing cost offers.
MELISSA CUMMINGS(opens in new tab)
Residential Lender / Business Development Officer
NMLS ID# 1475772
(352) 467-7054
Melissa.Cummings@citizens-bank.com
Dade City and Plant City
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.
