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Citizens First Bank wants to be your residential lender for all your mortgage needs. We offer a full array of loan products to meet your needs whether you’re a first home buyer, second home buyer or investor.

Locally owned and operated, we provide fast approvals and personal service. Our knowledgeable and friendly staff will show you the pleasure of working with a community bank with high standards and many satisfied customers. Citizens First Bank is firmly rooted in our community and lends in Florida in Lake, Sumter and Marion Counties.

Contact one of our loan representatives to find out what we can do for you.

Telephone: 352/259-3207

Citizens First Bank is registered with the National Mortgage Licensing System (NMLS# 469329). Copies of Mortgage Loan Originator's ID Numbers are available upon request at any of our branch locations.

NMLS #469329
Mortgages Rate Points Margin Annual Percentage Rate
15 Year Fixed Rate Mortgage *** *** N/A (1)
30 Year Fixed Rate Mortgage *** *** N/A (1)
3/1 Adjustable Rate Mortgage 3.000% 0 2.875% 3.037% (2)
5/1 Adjustable Rate Mortgage 3.250% 0 2.875% 3.124% (2)
5/1 Adjustable Rate Mortgage 5.000% 0 3.000% Investor Rate Loans (3)

(1) Fixed Rate information is available by calling 352-259-3207.

(2) Annual Percentage Rate (APR) may increase after consummation. Current Annual Percentage Rate based on a Loan Amount of $ 150,000.00 amortized for 30 years. Adjustable Rate Mortgages (ARM’s) with a 2% cap per adjustment and a 6% lifetime cap. ARM index based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year plus our margin, rounded to the nearest 0.125%. Maximum loan to value (LTV) is 80%. Monthly principal and interest payments examples per $1,000 are $4.22 and $4.35 for 3/1 and 5/1 mortgages based on the initial fixed interest rate period of 3 and 5 years respectively. Payment amount can change annually after the initial interest rate period based on changes in the interest rate. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. All rates in effect at time of publication date (January 27, 2015) and subject to change without notice. Loans are limited to Florida owner and non-owner occupied 1 – 4 family dwellings and subject to credit approval.

(3) These loans are for Non-Consumer Purposes Only

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