Local decision making focused on you.

Decisions are truly made local with us. This means you can talk directly with the loan officer and bypass the unnecessary hurdles associated with larger banks. We know that buying a home is a huge step for you, and we want to be the means of getting you into your home promptly.

We offer the following mortgage products and services:

First time home buyer loans

Buying a home for the first time is exciting. To help make this happen, our First-Time Homebuyer program enables you to purchase your new home with a minimal down payment with a low fixed rate. Our program allows you to put down as little as 3% of the purchase price. Income limits do apply.

  • Low down payment & lower mortgage insurance premiums

VA (veteran) mortgages

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan is designed to offer long-term financing to eligible American veterans or their surviving spouses.

  • No down payment & No mortgage insurance

Fixed rate mortgage

Predictability can be a wonderful thing. Our fixed rate mortgages provide a consistent monthly payment for the length of the loan with loan terms ranging from 10 to 30 years.

Adjustable rate mortgage

ARM loan options feature a fixed rate for the initial term of 1, 3, 5, 7, or 10 years. After the initial term, the interest rate and payment can increase or decrease to reflect market conditions.

  • Lower initial rates than fixed rate mortgages. Excellent for a short term real estate investment.

USDA loans

The USDA Rural Development loan program is available for rural property buyers. Borrowers can purchase their new home with no money down and obtain a low 30 year fixed rate. Income limits do apply.

FHA Loans

The FHA program helps qualified low-to-moderate borrowers who are unable to make a large down payment on a home. Currently, the FHA finances up to 96.5% of the home purchase price. Mortgage insurance is required throughout the term of the loan.

Jumbo Loans

Jumbo loans are designated for home purchases that exceed conforming loan limits. These loans have fixed and adjustable rate options in excess of $417,000.

Construction Loans

Looking to build your dream home? Our construction loans enable you to make interest-only payments during the construction process.

Lot/Land Loans

Buying land can be an excellent investment. We offer short-term interest-only loans or long-term up to 15 year competitive financing.

Home Equity Loans & Home Equity Lines of Credit

Need to make home repairs, pay off debt, make a purchase, or have a backup fund? Home equity loans or lines of credit allow you to borrow the equity of your home.

  1. Click Apply Now
  2. Enter “Monongalia” under County
  3. Enter “West Virginia” for State
  4. Click search and select “Citizens Bank of Morgantown”
  5. Fill out information and click “Submit”

To learn more about our Mortgages services, call: 304-292-8411 or
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