CB&T MORTGAGE

Citizens Bank & Trust

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Frequently Asked Questions

How do I know how much house I can afford?

What is the difference between a fixed-rate loan and an adjustable-rate loan?

FAQ

PRODUCTS

A Division of Citizens Bank & Trust Company


CB&T Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

Conventional 30 Year Fixed Rate

A Conventional 30 Year Fixed Rate loan is a fully amortizing loan with a fixed interest rate for the life of the loan. These features assure that your loan will be fully paid off over the 30 year period and that you will not be exposed to principle and interest rate shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and mortgage insurance, if applicable. Ask your loan officer for the details regarding your specific loan.


Term: 30 years


Conventional 15 Year Fixed Rate

A Conventional 15 Year Fixed Rate Loan is a fully amortizing loan with a fixed interest rate for the life of the loan. These features assure that your loan will be paid in full in 15 years and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and mortgage insurance, if applicable. Ask your loan officer for details regarding your specific loan.


Term: 15 years


FHA 30 Year Fixed Rate

An FHA 30 Year Fixed Rate loan is insured by the Federal Housing Administration. It is a fully amortizing loan with a fixed interest rate for the life of the loan. These features assure that your loan will be fully paid off over the 30 year period and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and FHA mortgage insurance premium. Ask your loan officer for details regarding your specific loan.


Term: 30 years


FHA 15 Year Fixed Rate

The FHA 15 Year Fixed Rate loan is insured by the Federal Housing Administration. It is a fully amortizing loan with a fixed rate for the life of the loan. These features assure that your loan will be fully paid off over the 15 year period and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and FHA mortgage insurance premium. Ask your loan officer for details regarding your specific loan.


Term: 15 years


USDA 30 Year Fixed Rate

A USDA 30 Year Fixed Rate is a fully amortizing loan with a fixed rate for the life of the loan. These features assure that your loan will be fully paid off over the 30 year period and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance and flood insurance, if required. Ask your loan officer for details regarding your specific loan.


Term: 30 years


VA 30 Year Fixed Rate

A VA 30 Year Fixed Rate loan is guaranteed by the Veterans Administration. The loan is a fully amortizing loan with a fixed interest rate for the life of the loan. These features assure that your loan will be fully paid off over the 30 year period and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and VA funding fee. Ask your loan officer for details regarding your specific loan.


Term: 30 years


VA 15 Year Fixed Rate

A VA 15 Year Fixed Rate loan is guaranteed by the Veterans Administration. The loan is a fully amortizing loan with a fixed interest for the life of the loan. These features assure that your loan will be fully paid off over the 15 year period and that you will not be exposed to principle and interest rate payment shock. Monthly payments provide for the payment of interest, principle reduction, payment of escrows for taxes, hazard insurance, flood insurance, if required, and VA funding fee. Ask your loan officer for details regarding your specific loan.


Term: 15 years