We'll help get you home. Whether you’ve found your first house or want to make improvements to the one you already own, Citizens Bank of Kentucky’s Mortgage Lending experts can help you get the financing that’s right for you.

Citizens Mortgage Services

As your community bank, we know that there is more to financing or refinancing than the actual loan. Our professional staff will work with you to ensure you have the advice and personal service you require when navigating the maze of financial options among mortgages, loans and mortgage lenders. As a direct lender, Citizens Mortgage Services eliminates the middleman, which means less cost and less hassle for you.

PURCHASE an existing home
PERMANENT financing for your construction loan
REFINANCE your current home loan or mortgage
ADJUST for lower payments or to reduce your owed interest amount
HELP you choose a mortgage that is right for you

Home & Mortgage Loans

Variable or combination rate loans
The interest you pay maybe tax-deductible*

New Construction Loans

Draw on your account as you need it
Only pay interest only on the money used

Government Loans

Federal Housing Administration (FHA) Loans
Veterans Administration (VA) Loans
Kentucky Housing Corporation (KHC) Loans
USDA Rural Housing Loans

Home Equity Loans & Lines of Credit

VARIABLE rate lines of credit
Consolidate debt, make home improvements, take a dream vacation, even buy a new car
The interest you pay may be tax-deductible*

Home Improvement Loans

Finance all types of home improvement projects from new carpet to a backyard pool
The interest you pay may be tax-deductible*

*Consult your tax advisors.