Family moving into a new home

Mortgage Overview

Buying a home is one of the biggest investments most people make in their lifetime. Our local Mortgage Lenders understand that and want to help you through the mortgage loan process. They are well versed in current mortgage programs available to homebuyers and can help you with the best loan option that fits your needs. When you stop by for a visit, here is just a little of what you will discover:

  • Mortgage Loan Department offering competitive pricing and an abundance of loan options to suit your specific needs
  • On-site Mortgage Lenders who are empowered to make local credit decisions
  • An experienced banking staff, dedicated to customer service and our community
  • Competitive Pricing
  • Low down payment options

Mortgage Options

Our Mortgage Lenders cater to first-time homebuyers and seasoned real estate investors alike. Our experienced staff understands that everyone's needs are different. Whatever your borrowing needs are, we're here to assist you with a variety of home loan options that include:

  • Fixed rate and adjustable rate mortgages
  • Loan terms from 10 years to 30 years
  • First-time home buyer programs with down payment assistance
  • Primary residence, second/vacation home, and investment properties (1-4 units)
  • Hobby Farm Loan program for properties over 10 acres
  • Bridge Loans

First-Time Home Buyers

At Citizens Bank, we believe that buying a first home should be an exciting and memorable experience. Our Mortgage Lenders will take the time to explain the steps necessary for home ownership and will patiently answer all of your questions. We also partner with local housing authorities to help educate First-Time Home Buyers in different programs and grants available. Here are just a few of the financing options for First-Time Home Buyers:

  • Down payment assistance programs
  • Closing cost assistance programs


With a pre-approval you can focus on the fun part, finding your dream home. Getting a pre-approval with us is free, easy and quick. A letter of pre-approval identifies you as a serious buyer and can be a good negotiating tool with the seller. A Pre-approval requires an application and a credit report. Usually, employment pay stubs, financial asset statements, and year-end W2 forms are required at this point. For most buyers, we can complete pre-approval within a few hours. Our Mortgage Lenders are happy to help get the financing setup to make your home-buying process more enjoyable.

Mortgage Rates

Due to the variety of loan programs and the ever-changing marketplace, we prefer to quote current interest rates on an individual basis. For today's interest rates and Annual Percentage Rates, please call our Mortgage Department at 503-879-8008 or Contact your nearest Branch Location

Mortgage services available only in the state of Oregon. Company NMLS# 390263.

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