Happy couple being handed the keys to their new house

Mortgage Loan Options

For over 50 years, CNB has helped families realize their homeownership dreams. We specialize in a variety of loan options that are innovative and flexible to meet your needs. Whether you are looking to purchase, build or refinance, our loan specialists can help find the best mortgage solution to achieve your goals.

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • USDA Rural Housing Loans
  • Vacant Lot Loans
  • Construction Loans
  • Home Equity Loans


See how simple applying for a Mortgage Loan at CNB can be!

Apply Now


You may want to consider refinancing your current mortgage if you can lower your interest rate or if the value of your home has increased. But it’s also a helpful tool that you can use for home improvements, debt consolidation, or possibly lowering your monthly mortgage payment.

Two people painting furniture



a smiling woman hugging her mother at graduation

Home Equity Loans

Your home is your key to financial flexibility. Based on the equity you’ve built in your home, a home equity loan from CNB gives you the borrowing power you never thought possible. With different terms and competitive rates, our lending experts will make it fast and easy for you to choose the loan plan that’s best for you.



woman using mobile device.

Home Equity Lines

A home equity line of credit (HELOC) lets you access your funds at any time, for any purpose, simply by writing a check. Once your line of credit is established, the funds are available whenever you wish and because this is a revolving line of credit, the principal repaid is yours to use again.

A woman in a lounge chair outside under a parasol

Home Equity Features

Enjoy quick and easy access to your funds whenever you need them.

    • Pay no closing costs on loans under $100,000
    • Enjoy competitive rates and low monthly payments
    • Automatically deduct loan payments from your CNB checking or savings account
    • Write checks
    • View your loan account in online banking or the CNB mobile app
    • Deduct loan interest on your taxes (consult your tax advisor for details)

Still not sure which option is right for you?

Our Mortgage Team members, each of whom is licensed through the Nationwide Mortgage Licensing System and Registry in accordance with the SAFE Act, are here to help.

Citizens National Bank’s Registered Mortgage Loan Originators

Whenever you are ready, CNB is here for you. Stop by a branch, connect with us via Live Chat or call (865) 429-7521 to speak to a CNB lender.

Two people meeting at a bank