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We are excited to announce that our lobbies will re-open at 25% capacity on Tuesday, February 16, 2021! All branches are currently operating on regular business hours. Our Smith’s Branch remains closed at this time. We look forward to seeing and serving you!.
Please help maintain safety standards by following these guidelines: • Face masks are required to enter all Citizens Bank locations. • Please remain 6 feet apart and practice safe social distancing. • Non-Citizens Bank customers, please use our Drive-up facilities. • Restrooms will not be available for Public use. • Maximum occupancy levels are 25%, as determined by the State of New Mexico, and are subject to change. Please bear with us as we navigate and comply.
• PPP New Loan Application (2nd Round) and supporting documentation must be completed using our PPP Application portal. The portal will allow you to complete the application, sign electronically and upload the required supporting documentation. If you can demonstrate a 25% reduction in revenue from 2019 to 2020 and are ready to submit your PPP Application, please request a link to the portal by emailing us at ppp@cbnm.com.
• PPP Loan (1st Round) Forgiveness Applications and supporting documentation must be completed using our PPP Forgiveness portal. The portal will allow you to complete the application, sign electronically and upload the required supporting documentation. If you are ready to submit your PPP Forgiveness, please request a link to the portal by emailing us at ppp@cbnm.com.
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Residential Mortgage Loans
Our fully experienced on-site lenders, can show you the many types of loans and programs available, explain your best options, answer your questions, and close your loan quickly without hassle. They can also show you how to access the equity in your current home through second mortgages and lines of credit.
Citizens Bank Benefits
- Competitive Rates & Fees
- Local Origination and Underwriting
- Experienced and Knowledgeable Loan Originators
- Convenient Preapproval Program
Our loans are available for properties located in San Juan County, NM
- Purchase
- Refinance
- Construction Loans
- Home Equity Lines of Credit
- Second Mortgages
- Bridge Loans
- Lot/Land Loans
- Investment Properties
Need Cash?
Contact us to find out how you may be able to access the equity in your existing home with a Home Equity Line of Credit or Second Mortgage.
Preapproval Program
Our Preapproval Program is qucik and easy! Shop with confidence knowing that financing is available when you find the perfect home.
Programs
- Conventional Loans: Minimum 3% down payment required. 10, 15, 20 & 30 year terms available. Purchase & refinance.
- FHA Loans: 3.5% down payment required. 15 & 30 year terms available. Purchase & refinance.
- VA Loans: 100% financing for qualifying Veterans. 15 & 30 year terms available. Purchase & refinance.
- USDA Rural Housing Loans: 100% financing for Purchase transactions on qualifying properties. *Income guidleines apply.
- First-Time Home Buyer and Down Payment Assistance Programs: Purchase transactions. *Income guidelines apply.
For personal assistance
You can call or e-mail one of our mortgage professionals to apply for a mortgage loan, answer any of your questions or to ask for advice. Please email us at mortgage@cbnm.com or call us at 505 599 0137.