Mortgage Loans

Mortgage and Home Loan Options

• Fixed Rate: Competitive interest rate that doesn’t change during the life of the loan
• Adjustable Rate: Choose between a one, three, or five-year adjustment period. Interest rate may rise or fall depending on the index rate.
• Non-Owner Occupied: Purchase or refinance loans for one to four-family, non-owner occupied residential properties.
• First Time Homebuyer Programs: We are a lender of choice for the First Front Door Program and local first-time homebuyer programs in Scranton, Lackawanna County, and Monroe County.
• Home Loan Refinancing: Replace your current mortgage with a new one that has a better interest rate or terms. It’s also possible to “cash out” some of your equity when you refinance.

Benefits of a Home Loan From Citizens Savings Bank

• Competitively low mortgage rates for home purchase, refinance, or construction
• Available for primary residence, second homes, or non-owner occupied properties
• Save money up front with zero point mortgages
• Flexible terms customized to your unique situation, including different down payment options such as Family Gift, First Time Home Buyer Grants, and more. Learn more here.
• A wide range of financing programs available, including:
  • Fixed rate mortgages
  • Adjustable rate mortgages (ARMs)
  • First time homebuyer programs
  • Construction loans
  • And more!
• Helpful loan advisors with working knowledge of the local real estate market
• Refinance your current home to potentially lower your rate
• Local NEPA decision-making and processing
• Attentive, friendly service from start to finish

Apply for a home loan from Citizens Savings Bank!

Are you ready to apply for a mortgage? Still have questions? You can apply for a home loan online, contact us to learn more, or visit your nearest branch location in Clarks Summit, Scranton, Taylor, Honesdale, or Mount Pocono, PA.