Contact our CB&T Insurance Division
This is NOT a secure email, please do not submit confidential information to this address.
Insurance purchased is not underwritten by the bank. No bank guarantee. Insurance products may lose value. Not FDIC insured.
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?
A Division of Citizens Bank & Trust Company
By clicking on the links, you are leaving Citizens Bank & Trust of Vivian, LA's website and will be redirected to another site. Citizens Bank & Trust of Vivian, LA makes no endorsements or claims about the accuracy or content of the information contained in these sites. The security and privacy policies on these sites may be different than those of Citizens Bank & Trust of Vivian, LA.
Mortgage Bankers Association of America Consumer Information
The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.
Federal Reserve Board Consumer Information
The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.
Homebuyer Education by Freddie Mac
Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.
United States Postal Service Official Movers Guide
What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.
U. S. Department of Housing and Urban Development:
Buying a Home
U. S. Department of Housing and Urban Development website provides extensive information about buying a home including affordability, borrower’s rights, tips and tricks for shopping for a loan, and details about different home buying programs including FHA loan programs and other special programs.
Fannie Mae – Home Buying Process
Fannie Mae is a government-sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets. Home Buying Process guide on their website offers valuable information about buying a home. This website also provides important information for home owners.
U.S. Department of Veterans Affairs - VA Home Loan Program
You get your loan from a private lender, and VA “stands behind” the loan with that lender. If something goes wrong and you can’t make the payments anymore, the lending institution can come to us to cover any losses they might incur. The VA loan guaranty is this “insurance” that we provide the lender.
Most loans are handled entirely by lenders. VA rarely gets involved in the loan approval process.