Home Lending
Whatever stage of life you are in, we are here to serve all your financial needs, including helping to finance your home. Citizens Business Bank, NMLS# 417441, offers a variety of home lending options and local service through Citizens Home Lending. Our seasoned Mortgage Loan Officers work closely with you to find the right loan product and guide you through the lending process each step of the way. Loan programs are available for primary residences, second homes, vacation homes, and rental properties.
Why choose Citizens Home Lending?
Multiple loan options including fixed, ARM hybrid, and interest only
No additional lender fees for jumbo loans
In-house loan processing, underwriting, and funding
Experienced lenders
Zero point loans
Home Mortgage Loans
Our Mortgage Loan Officers can help you choose from a variety of mortgage loans for your home purchase or refinance.
Fixed Rate Loans
With our fixed rate home loan, you have the security of knowing your interest rate, along with your monthly principal and interest payment, will remain the same for the term of the loan.
Easier budgeting with fixed payment
No pre-payment penalty
Quicker loan payoff and faster equity building
Zero point loans
Should interest rates rise, your Home Loan interest rate and payment will remain the same
Home Equity Line of Credit
With a home equity line of credit, you can borrow funds against the equity in your home to finance home improvements, major purchases, or unexpected expenses. A home equity line of credit gives you the flexibility to borrow funds when you need, at a competitive rate.
Up to 70% combined loan-to-value (CLTV)
10-year draw period
Adjustable Rate Mortgage Hybrid Loan
If you are looking for your initial payment to be lower than a traditional fixed rate mortgage, a hybrid adjustable rate mortgage loan could be the solution.
Multiple financing term options
Zero point loans
No pre-payment penalty
Interest-only options available
Many options for purchase and refinance transactions
Mortgage Loan Team
Daniel Limon | NMLS# 917801
Executive Vice President
Specialty Lending Division Manager
Jeannette Kabayan | NMLS# 2042264
Senior Vice President
Citizens Home Lending Manager
Phone: 909.483.4328
Flora Shaldjian | NMLS# 966060
Senior Mortgage Loan Officer
Pasadena Business Financial Center
Phone: 626.568.2148
Roubik Karapetian | NMLS# 272841
Vice President
Residential Mortgage Credit Officer
Laura Pineda | NMLS# 1189650
Mortgage Quality Assurance Coordinator
All loans are subject to credit approval.
Questions? Call or click to get started.
Locations & ATMs
Call Us 888.228.2265
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