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.

Home Financing

We guide you through the home buying process catering to your families unique finances. Never pushing you into something you cannot afford.

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Refinancing

Whether it’s remodeling, structural improvements, or minor alterations, we help you achieve and maintain the home of your dreams through financial planning.

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FHA

Federal housing administration makes home ownership possible for people who cannot afford a large down payment or have a poor credit profile.

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Conventional

Perfect for borrowers with strong credit, stable income, and employment history. Down payment minimum of 3%.

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VA Loans

Providing home loans to members of the US Military, active duty, or veterans. VA Loans do not require a down payment, or PMI, with closing costs typically capped.

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Non-QM

Non Qualified mortgages are optimal loans for entrepreneurs and self employed individuals. For people who do not carry the average pay 2 stub, W2 forms, or tax returns. We offer bank statement programs creating an easy home buying process.

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Jumbo

Ideal option for people who have strong credit with income and loan amounts higher than the national average. Must have a down payment starting at 5%.

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USDA

Loan programs to help low-moderate income borrowers to buy homes in rural areas. Must meet certain income limits and purchase in USDA-eligible area. See if you qualify today.

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Down Payment Assistance

This offers low home interest rates to California borrowers who have low to moderate income. We are able to assist with home purchasing as low as $0 down.


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Foreign National

​Programs available to help non US citizens buy investment properties.


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Let's find the right solution based on your financial goals