Loan Programs:

- Home Purchase Loans: Citizens Bank offers home purchase loans to help you finance the purchase of your dream home. These loans provide competitive interest rates and flexible repayment terms.

- Mortgage Refinance Loans: If you're looking to refinance your existing mortgage, Citizens Bank provides mortgage refinance loans that allow you to lower your interest rate, reduce your monthly payments, or shorten the term of your loan.

- Home Equity Loans: With a home equity loan from Citizens Bank, you can tap into the equity in your home to access funds for various purposes, such as home improvements, debt consolidation, or education expenses.

- Construction Loans: Citizens Bank provides construction loans to support the building of new homes. These loans offer financing options during the construction phase and can be converted into permanent financing upon completion.

- Jumbo Loans: For high-value properties, Citizens Bank offers jumbo loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans provide competitive interest rates and flexible terms.

- FHA Loans: Citizens Bank offers Federal Housing Administration (FHA) loans, which are backed by the government and designed to help individuals with lower credit scores or limited down payments to become homeowners.

- VA Loans: If you're a veteran, active-duty service member, or eligible surviving spouse, Citizens Bank provides VA loans. These loans are guaranteed by the Department of Veterans Affairs and offer favorable terms and benefits.

- USDA Loans: Citizens Bank offers USDA loans, which are backed by the U.S. Department of Agriculture. These loans aim to promote rural development by providing affordable financing options for eligible borrowers.

- Reverse Mortgages: For seniors aged 62 and older, Citizens Bank offers reverse mortgages. This special type of loan allows homeowners to convert a portion of their home equity into cash, providing additional income during retirement.

Please note that specific eligibility criteria, loan requirements, and interest rates may apply to each program. It is recommended to contact Citizens Bank directly for more detailed information and personalized assistance.