Citizens National Bank of Somerset 
CNB Quick Mortgage
Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.
- Click Apply Now and complete the application.
- When you have completed the application, click submit and your information will be reviewed.
- A Citizens National Bank Lender will follow up to answer your questions.
Free Pre-Qualifications
We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.
Our goal is to provide the highest level of service at competitive rates. Our Lenders are only a phone call away if you need help. Contact us at 606-679-6341.
Rate Watch
Sign up to have rates e-mailed to you. You may choose to have rates e-mailed to you when they reach your desired rate, or on a regular basis.
Learn MoreGovernment Loans
Looking for a no down payment VA loan or a low down payment FHA loan? You have come to the right place!
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Calculators
Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.
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Mortgage Loans
Citizens National Bank has various fixed rate residential mortgage loans that are available through Federal Home Loan Mortgage Corporation (Freddie Mac), Kentucky Housing Corporation (KHC), Veterans Administration, and FHA.
Our fixed rate loan programs offer low or zero down payment which first time home buyers find attractive.
We also provide refinancing opportunities which allow you to use the equity in your home to secure consumer purchases. Loans secured by your residence allow the interest to be tax deductible. Please consult your tax advisor to be certain.
No matter what your residential loan needs may be, Citizens National Bank has a mortgage loan program that will fit your circumstances.
Check our mortgage lending rates here.
Real Estate/In-House Mortgage Loans
Citizens National Bank now offers an in house home loan that could save you thousands of dollars in closing costs. This new loan product is a great alternative to paying higher fees recently added by national mortgage agencies. With this loan, there are no points and various terms available.
Construction Loans
When building a custom home, investment property, or commercial building, a construction loan is often necessary to meet the extended time frame and special needs of the building process. Our residential home loans have a construction term of 9 months with an additional 90 days to complete construction if needed. Commercial projects have a term of 12 months with an additional 90 days for completion, if necessary.
Bridge Loans
A bridge loan is best suited to the customer who finds their dream home but has not sold their current home. We work with the customer to help make that dream home a reality! We can do 100% financing for the new home by using the equity in their current home until the house sells. These loans are structured for 12 months with interest monthly. At the time of sale, the customer would need to decide on a permanent financing option which we may provide to them.
For more information on any of these products, contact our Lending Department at 606-679-6341.