Today's Rates

Please call for today's rates!!  We can do what THEY can do, only better!

 

 

 

 

 

Citizens Bank of Ada offers a variety of loan programs to meet your needs. We work to find what works best for you!  Whether you're a first-time buyer, refinancing, building or moving up, we are here to help.

Call us for today's rates and more information at 580-332-6100!

 
Conventional
FHA
VA
Rural Development
HUD 184
Community Loan Products

Conventional

Any kind of conventional loan you may need, with low down payments and competitive rates and terms, we are here to help!


FHA

It is still easy to get an FHA loan!  Let our experienced professionals guide you through the process.


VA

With a VA loan, there is no restriction on the acreage, and no down payment required.  Also, the seller can pay up to 6% of the purchase price towards the buyers' closing costs!


Rural Development

Rural Development loans are a great way to buy your first house with very little out-of-pocket expense. 

  • No down payment required
  • No monthly PMI
  • Seller can contribute up to 6% toward buyers' closing costs and prepaids
  • Income limits apply


HUD 184

 HUD 184 loans for Native Americans now available.

  • Lower down payment than traditional FHA loans
  • NO Income limits
  • LOW monthly PMI
  • Use of alternate tradelines allowed


Community Loan Products

Strong communities need a healthy mix of residents with a wide variety of skills, that's why at Citizens Bank of Ada, we are recognizing our Community Experts, Heroes and Medical Professionals with a new home loan option.

  • Community Experts: No down payment for CPA, CFA, PHD, Architects, CMB and Actuaries
  • Community Heroes: 1% down for Teachers, Firefighters, Police, EMT and Paramedics
  • Medical and Dental: 3% down for MD, DDS, DMD, OD, DPM, DO and Pharmacists

Maximum Amount: $453,100


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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $453,100 with closing costs of $9,062. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.