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• If you are looking for information, would like to apply for, or have questions about COVID-19 Small Business Guidance & Loan Resources, please click here to be directed to the U.S. Small Business Administration website.
• We are aware of a heightened increase in fraudulent activity.
We will never call, email or text you requesting your debit card number, pin, user id or other credentials. If you receive a message requesting this type of information, hang up or delete the communication. Call us at 505-599-0100 if you have questions.
• For the health and safety of our customers, community, and staff:
We are open but temporarily restricting access to our lobbies and Smith's Location. We will continue to offer all banking services through our drive-up facilities, our night drop, over the phone and using our online and mobile technologies.
Please click here for more information.
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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 answer any of your questions or to ask for advice. Call us at 505 599 0137 or click on the Resources / Apply link under Mortgage Resource Center.