Mortgage Products

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Whether buying your first home, upgrading, building your dream home, or refinancing, we are committed to providing top-notch personal service with expert knowledge, speedy approvals, and quick closings. We strive to be your preferred lender both now and in the future.

Our team of experienced loan officers is always available to explain all your loan options. The same person who takes your loan application will keep you informed throughout the entire process and close your loan. Even after you've moved into your new home, the same loan officer will be available to answer any questions.

Citizens Federal offers mortgage loans for your primary residence, vacation homes, condos, construction loans, land, investment properties, and commercial properties.


Adjustable-Rate Mortgages (ARM) 

An ARM has a fixed rate for the initial term of the loan (generally 1, 3, 5, or 7) and then the rate can adjust on an annual basis. We'll let you know how much and how often the rate can be adjusted over the life of the loan as well as the rate caps for the loan. Rate caps help protect you from large rate and payment increases.  Caps are 2/6.

Fixed-Rate Mortgages 

Fixed Rate Mortgages allow you to make a fixed monthly payment over the life of your loan making it easier to budget. We offer a variety of fixed-rate mortgages, up to 30 years.

Construction Loans

If you plan to build your dream home, a Citizens Federal construction/permanent loan may be what you need. For the first 12 months, the payment is interest only on funds disbursed, then you start your regular monthly payment.

Call one of our loan experts today at 937-593-0015 for complete details on our construction loans before you make your construction plans.

Mortgage Rates  Application Process

Home Equities

If you are a homeowner, a home equity loan is a smart way to borrow. You save money because interest rates are generally much lower than on credit cards and other consumer loans. Increasing your savings even more, interest paid on a home equity loan is generally tax deductible (CHECK WITH YOUR TAX ADVISOR).

Home Equity Loans

Citizens Federal offers home equity loans up to 80%, of your home's appraised value. Interest rates and terms vary. All our equity loans enable you to use your home to finance a home improvement, debt consolidation, college tuition, or even a dream vacation.

Home Equity Line of Credit

Citizens Federal's Home Equity Line of Credit is a revolving line of credit that allows you to draw funds as you need them. The funds again become available for you to borrow as you pay down your outstanding balance. Once the account is opened, you can use it just like your checking account. You will receive a checkbook which makes access to your credit line convenient to pay off credit card bills or make purchases.
Each month, you will receive a statement showing the advances and payments you have made, the credit line still available, the interest charges incurred, and the required monthly payment.


Check out this helpful site to learn about the home-buying process.




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