Citizens Bank of Morgantown: Enabling First-Time Homebuyers to Turn Their Dreams into Reality!

Are you planning to buy a new home but struggling to fulfill the down payment requirements? At Citizens Bank of Morgantown, we have got you covered! Our First-Time Homebuyer program caters to the specific needs of young couples and families looking to invest in their first home. With our flexible mortgage options and low fixed rates, we aim to make homeownership accessible to everyone in Morgantown, West Virginia, Southwestern Pennsylvania, and North Central West Virginia.

At Citizen Bank of Morgantown, we understand the challenges first-time homebuyers face. Most conventional mortgage lenders require a down payment of 10-20% of the home’s purchase price. For a $200,000 home, that’s $20,000 to $40,000. This requirement can be a significant barrier for young couples and families looking to purchase their first home. However, our program allows you to put down as little as 3% of the purchase price, making achieving your dream of homeownership easier.

Our program is designed keeping in mind the specific requirements of first-time homebuyers. Income limits do apply, and we consider several factors, such as credit scores, employment history, and interest rates, to provide you with flexible and personalized mortgage options. Our experienced and professional staff is always available to guide you through the loan process, and we provide a personal touch you won’t get online.

Compared to bigger banks, our decisions are made locally, and loan approvals are completed within hours, not days or weeks. Our program lets you bypass the unnecessary hurdles associated with larger banks, making it easier to purchase your dream home. When you bank with Citizen Bank of Morgantown, you can rest assured that you aren’t just another number; you’re one of our “Citizens.”

Our First-Time Homebuyer program is ideal for young couples and families looking to invest in their first home. We cater to people with household incomes of all sizes, and our target customer includes health care workers, education services, manufacturing, construction, and utilities. Do you find yourself in one of these fields? We’d love to work with you!

We believe that renting isn’t sustainable, and not having a home to live in and call your own can leave people feeling hopeless. By doing business with us, you are trying to achieve your dream of homeownership with a minimal down payment. Purchasing your first home can be daunting, but we aspire to make it easy and accessible for you with our personalized and flexible mortgage options. Your success is our success, and we aspire to be the means of getting you into your home promptly.

In conclusion, at Citizens Bank of Morgantown, we believe everyone deserves to own a home, and our First-Time Homebuyer program empowers young couples and families to achieve their dreams. Our mortgage options are flexible, personalized, and designed to cater to the specific needs of first-time homebuyers. When you bank with Citizen Bank of Morgantown, you get a personal touch you won’t find anywhere else. Let us help you turn your dream of homeownership into reality!