Mortgage Lending

You can count on our knowledgeable mortgage loan officers to answer all your questions. From discussing various loan options, to reviewing your credit report with you, we are here to help you.

Home Loans

Whether you’re buying or building your dream home City Bank & Trust Co. can help you every step of the way. We have local decision-makers and a team who works directly with you, our customers, and your team or family.  Our processing, underwriting, and closing departments are also local, allowing for City Bank & Trust to offer fast, solid approvals you can trust. From determining what you can afford to closing the deal we keep it simple. Already own your home? We can refinance your home to reduce your house payments, consolidate debt or get cash out.

Financing available for primary residences, vacation homes, or 1-4 family investment homes in almost every state.
City Bank & Trust Co. offers a variety of loan products to best fit your needs, and our expert lenders work with you to determine the best option for you based on your income, credit and amount of the down payment or equity.

Types of financing available:

• Conventional Loans
  • Conventional home loans are any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs).  Conventional loans can be conforming or non-conforming.
• FHA Loans
  • FHA insured home loans are a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender.  FHA mortgage insurance protects lenders against losses.
• VA Loans
  • VA home loans are a mortgage loan available through the U.S. Department of Veterans Affairs for service members, veterans, and their surviving spouses.
• USDA Loans
  • USDA home loans are special mortgages meant for low-to-moderate income home buyers. These loans are guaranteed by the United States Department of Agriculture.  That guarantee acts as a form of insurance protecting USDA lenders, so they're able to offer below-market interest rates and zero-down home loans. 
• NIFA Loans
  • NIFA home loans are meant for FIRST-TIME HOME BUYERS.  Individuals who haven't owned and occupied a primary residence within the past three years, are considered a first-time homebuyer.  Even if a home was owned years ago, but has been occupied by renters fro three or more years, to us that's still considered a first-time homebuyer.
• Jumbo Loans
  • Jumbo home loans are a type of financing that exceeds the conforming loan amounts set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. 

Construction Loans

At City Bank & Trust Co., we work closely with many homebuilders as well as individuals and families building new homes. We offer construction loans and long-term loans. By being a full service lender we can provide you with both your construction loan and long term financing saving you both time and money.

Bridge/Interim Loans

Wanting to move into your new home, but don’t have your current one sold yet? We can help! City Bank & Trust Co. offers Bridge loans and Interim loans to help get you through the transition.

Whether it’s your first home or your retirement home. Whether you are building a new home or restoring a classic. Whether you know the ropes or need help to chart the right course. City Bank & Trust Co. is here to help you along your journey.

Financial Calculators

• Mortgage Calculator with Taxes and Insurance
  Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
• Mortgage Qualifier Calculator
  Can you buy your dream home? Find out just how much you can afford!

Home Equity Line of Credit 

Tap into your home’s equity!

Need funds for college, a vacation, or other special purchases? Gain access to the cash value in your home with a home equity loan. With a variety of rate and term options available we can help put your home’s value to good use.

A Home Equity Line of Credit (HELOC) is a form of revolving credit that can be used and repaid multiple times for unexpected expenses or other cash needs.

Contact Lender Online Home Loan Application Paper Home Loan Application

Auto Loans

If you are thinking about buying a new or updated vehicle come talk to one of our auto loan experts to find a payment plan that will fit your needs.

• Available for both new and used vehicles including refinancing options
• A variety of rates and terms accommodate your financial circumstances
• Fast and local decisions
• Get pre-approved today and shop with confidence

Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.

Car Loan Calculator

Personal Loans

Flexible loan types and terms that can provide you with money for just about anything.

• City Bank & Trust Co. personal loans can be used for just about anything like debt consolidation, vacations, special occasions, moving expenses and more.