Discover endless mortgage loan options tailored for you and your family, empowering you to achieve your dreams with confidence. Low-rate mortgage options that make for happy borrowers. From conventional loans to second home purchases and investment opportunities, we have a better borrowing experience for your next purchase or refinance.

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• CONVENTIONAL: This option is typically fixed in its terms and rates so there isn’t a need to worry about rising interest rates. It is not guaranteed or insured by any government agency.

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• VA: VA loans are available to United States Veterans and Active Service Members. They are guaranteed by the Department of Veterans Affairs (VA). No down-payment is required with a VA loan.

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• FHA: FHA loans are typically the loan type best suited for first-time homebuyers. They are insured by the Federal Housing Administration (FHA) and have a low down-payment requirement.

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• USDA: USDA loans are offered through the United States Department of Agriculture. These loans are specific for those residing in rural areas. There is no down-payment requirement.​

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• JUMBO: This option is for a loan of a larger amount that exceeds the conforming loan limit threshold.​

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• REFINANCE: Pay off one loan with the proceeds of a new loan when you refinance. It can help lower monthly payments, get cash out, or possibly lower your interest rate.​

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• NEW CONSTRUCTION LOANS: Ready, set, BUILD!  Choose from multiple construction loan products and partner with Cari throughout the entire process.  Let the Cari help guide you through the unique process of securing capital to finance the construction of your dream home.​

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• LOT/LAND LOANS: You have dreamed of building your perfect home. From all lot sizes, shapes and types, City Bank can help you buy the empty lot your future home will sit on. Choose from many different terms and rates for your personalized loan that breaks ground.​

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• HOME IMPROVEMENT LOANS: Ready to renovate or add to your existing residence? Talk to Cari about securing a low-rate, short-term loan to fund the next stage of your home.​

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• HOME EQUITY LOANS: Home equity loans can be a great solution for leveraging the equity in your home to secure cash for major or unseen expenses.​

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• TEMPORARY FINANCING (BRIDGE LOANS): Our short-term, interim financing options—sometimes referred to as "bridge loans"—offer a convenient solution to needed financing until your next project nears completion or your next financing has been secured.