Loan Products
Citizens Bank of Kansas is pleased to offer the following Loan Products to our customers. Our mortgage lenders will help you choose the right loan for your situation:
All mortgage loans are offered on a fixed rate, fixed term plan. Check with our mortgage lenders for current interest rates. They will help you make the right choice for you and your family.
- Conventional Loans
- Conventional Loans are loans that are not insured or guaranteed by the government. Down payments can start as low as 3%. These loans can be used for a primary residence, second home or even investme
- FHA Loans
- FHA (Federal Housing Administration) loans are government-backed loans that allow for a lower down payment (3.5% minimum) and lower minimum credit scores thatn other traditional mortgage loans. The F
- VA Loans
- VA (Veterans Administration) loans are designed for Individuals who have been in the military or are a surviving spouse of a veteran who passed away due to service-connected disabilities. VA loans re
- USDA/Rural Housing Loans
- USDA/Rural Housing Loans are used to purchase homes in eligible rural areas, towns and cities outside of metro areas. USDA loans require no down payment. These loans are eligible for households that
- Homebuyer Grant Programs
- Homebuyer Grant Programs are used in conjuntion with any of the loan products we offer to make home buying easier. Grant programs provide funds to help with down payment and closing costs. Programs