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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Mortgage Special

Fannie Mae HomeReady® PLUS The Citizens Bank Special

Dreaming of homeownership? The HomeReady® program makes it more achievable
with flexible options designed to fit today’s buyers.

EXTRA SAVINGS WITH THE CITIZENS BANK PROMOTIONAL OFFER

Take advantage of an incredible limited-time benefit:

  • 2% Lender Credit from The Citizens Bank

  • Up to $5,000 per transaction

  • Can be applied toward closing costs

 
Key Benefits of HomeReady:
  • Low Down Payment: As little as 3% down
  • Flexible Income Sources: Use income from household members
  • Reduced Mortgage Insurance: Lower monthly costs compared to standard loans
  • Homeownership Education: Access to resources that prepare you for long-term success
  • Ideal for First-Time Buyers: Designed to make buying more accessible and affordable
 
This added incentive helps reduce your out-of-pocket expenses—making homeownership even more attainable!
Start Your Journey Today! With HomeReady & The Citizens Bank working together, you have more support, savings, and opportunity to own the home you deserve.

Contact us today to learn more and see if you qualify!
 

Elliott Koonce
NMLS#: 416975
Phone: 843-237-5777

Apply Now!

Nicole Rabon
NMLS#: 733556
Phone: 843-903-6450

Apply Now!

Duffy Scarborough
NMLS#: 223746
Phone: 843-383-4333

Apply Now!

Greg Suggs
NMLS#: 733564
Phone: 854-854-3322

Apply Now!

Teresa Stockdale  NMLS#: 459554  Phone: 843-240-8398

Apply Now!


Take the next step towards homeownership:  Pre-qualify Now!

 
Click here(opens in a new window) to contact one of our mortgage professionals.

We have several mortgage calculators available on our Financial Calculators page, visit here. 


Already have a mortgage application in progress?  Access your Account
Here are a few of the products we offer:

  • Conventional Loans
  • Second/Vacation Home Loans
  • Construction to Perm Loans
  • Jumbo Loans
  • In-House Mortgage Loans
  • FHA and USDA Loans
  • Veterans Affairs Loans
  • Fixed rate and adjustable rate mortgages available
 The Citizens Bank NMLS #:  402951
 


Loan Program Notice 

Bank NMLS: 402951 All loans are subject to credit approval, underwriting guidelines, and program availability. Terms, conditions, and availability are subject to change without notice. HomeReady® is a program of Fannie Mae and is subject to income limits, property eligibility, and other requirements. Not all applicants will qualify. The Citizens Bank promotional lender credit of 2% of the purchase price (up to $5,000) is available on eligible closed loans only and may be subject to additional terms, conditions, and expiration dates. This offer may not be combined with other promotions unless expressly permitted. The lender credit may be applied only toward allowable closing costs and cannot be used for down payment or cash back. This is not a commitment to lend. Please contact a loan officer for complete details. Member FDIC and Equal Housing Lender. 

 

 

USA PATRIOT Act Notice  To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a mortgage loan.

What this means for you:
When you apply for a mortgage online, we will ask for your name, address, date of birth, Social Security number, and other information that allows us to identify you. We may also ask you to provide documentation such as a copy of your driver’s license or other identifying documents.

We appreciate your cooperation as we comply with federal regulations designed to protect our financial system.