Our Services

Citizens Financial provides a unique selection of competitive mortgage products. A majority of our business is with those who provide public service: firefighters, correctional officers, teachers, and many others who serve the public. We also have programs suitable for Small Business Owners and others who may have special financial circumstances.

FHA

The FHA (Federal Housing Administration) home loan help make homeownership possible for borrowers who don’t have a large down payment saved up and also might not have don’t have that prefect credit profile.

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Foreign National

We have amazing programs available to help Foreign Nationals own property in the United States.



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VA

The VA loans provides an exceptional home loan for members of the U.S. military (active duty and veterans) and their families.  VA loans do not require a down payment or PMI, and closing costs are generally capped and may be paid by the seller and lender.




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Non-QM

Non-QM stands for a mortgage that is "non-qualified mortgage", which just means the subject mortgages are nor secured by Fannie Mae and Freddie Mac. Non-QM loans are not riskier loans then conventional loans, but they just have a different sets of lending guidelines in order to qualify. Non- QM home loan programs are optimal for self-employed, entrepreneurs, and investment minded borrowers. These loans typically do not require W2's, or tax returns.

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Jumbo

Jumbo mortgages are home loans that exceed Fannie Mae or Freddie Mac loan limits. The maximum loan limit for single-family homes in designated high cost areas most of the U.S. is $726,525. Jumbo loans are ideal for borrowers with strong credit, an income that typically is higher than the national average, income and a down payment of at least 5 percent.

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USDA

USDA loans help moderate to low-income borrowers buy homes in rural areas. You must purchase a home in a USDA-eligible area and meet certain income limits to qualify. Some USDA loans do not require a down payment for eligible borrowers with low incomes.


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Down Payment Assistance

The down payment and grant home loan programs provides low interest rate home financing to low to moderate income homebuyers in California. These loan options are available to assist borrowers in purchasing a home with as little as $0 down.


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Conventional

A conforming loan simply means the actual loan amount falls within maximum limits set by Fannie Mae or Freddie Mac, and they will secure high balance loan amounts up to $726,525. Conventional loans are ideal for borrowers with strong credit, a stable income and employment history, and a down payment of at least 3 percent.

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Let us tailor the right solution for your needs