With a Citizens Fixed-Rate Mortgage, your monthly principal and interest payment remain the same throughout the life of your loan. Borrowers who want to build equity faster should select the shortest term they can afford. A shorter loan term carries a lower interest rate, helping borrowers to save in interest cost over the life of the loan.

You should consider a fixed-rate mortgage if:

• You want to be protected from potential interest rate increases.
• You prefer a consistent payment schedule.
• You are on a modest or fixed income.

FEATURES

• There is no prepayment penalty.
• The interest rate is fixed for the entire term of the loan.
• You can easily make payments or view your loan activity with Online and Telephone Banking.
• You can process payments through Online and Telephone Banking by 6:00 p.m. and receive same-day credit.

LOAN OPTIONS

• 10, 15, 20, 25 or 30 year terms

Have more questions? Need help determining your payments or what may work best for you? Try our financial calculators or contact our Customer Service Department for more information at 1-888-226-5237.