Mortgage Loans
Citizens has been helping customers move into their dream homes for over 140 years. Our Mortgage Loan Originators are dedicated to help you choose the mortgage program that's right for you. Whether it's a purchase, construction, vacation home, investment property or a refinance; we have a program to fit your needs.

Because our customers are important to us, we retain our mortgage servicing so you can make your payments at any of our convenient locations and, even more important, if you have a question you can call or stop by and receive assistance from our Mortgage Loan Originators available at all of our offices.

Point of sale originating gives you competitive rates, quick turnaround and friendly service. This saves you time and money.

Call one of our professionals today. We want to assist you in financing the home of your dreams.


Our Products
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Balloon Loans
  • Construction Loans
  • Lot Loans
  • Bridge Loans
  • No closing cost options
  • Rural Housing
  • Programs available with 0% to 5% down payment for those who qualify
  • Down payment assistance program available
  • Jumbo Loans
  • Investment Properties
  • Vacation Homes

Downpayment Plus (Assistance Program Available)
  • Easy to use
  • $4,000 grant funds for down payment and closing costs
  • Homebuyers contribute only $750 of their own funds
  • Owner-occupied single family and 2-units
  • No repayment if borrower lives in the property for 5 years
  • Generous income limits apply

FOR MORE INFORMATION CALL ANY OF OUR MORTGAGE LOAN ORIGINATORS

SPRING VALLEY MORTGAGE
128 E. Dakota St., Spring Valley, IL 61362
(815) 664-4100
Toll free: (800) 311-7531
Fax: (815) 664-4115

Citizens First National Bank

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