Mortgage Services
Whether buying a home or refinancing the one you already have, it is important to find the right lender and the right loan program. City National Bank is a part of your local community. We recognize your desire to conduct business with a local company who has your best interests at heart. We strive to exceed your expectations for customer service and realize that different people have different circumstances that need special attention. That’s why we offer a wide variety of innovative loan programs to compliment your specific financial needs.
What City National Bank Can Offer You
• A professional staff that brings a wealth of knowledge and experience to the table. Our mortgage lending staff has over 150 years of experience in the home lending industry.
• A full range of innovative home loan programs to meet your specific needs. From loans with no down payment to traditional fixed-rate loans, we have the loan products to meet your personal financial situation.
• A timely credit decision on your application that allows us to streamline the process and close your loan fast and easy.
Loan Products
Portfolio ARM Loans
These loans are designed to give you the flexibility that you need to qualify for a home loan. The interest rate and the closing costs are generally lower for a home loan, and the interest rate can be fixed for up to five years. The Portfolio ARM products are a viable alternative to the traditional fixed-rate loans for borrowers who have limited cash for down payments, or for those who prefer a lower monthly payment.
Traditional Fixed-Rate Loans
These loans are available for people who desire the stability of a fixed-rate monthly payment for the entire term of their loan. Fixed-rate loans generally have a higher interest rate and a higher monthly payment than Portfolio ARM loans and are available for up to 30 years.
Champion Mortgage
The Champion Mortgage is a portfolio product that allows qualified borrowers to buy a home with a low down payment and low closing costs. This loan program is designed for people with good credit and job stability, but who have limited cash for a down payment. With this loan program, you can buy a home with a monthly payment that, in most cases, is less than paying rent.
Construction/Perm Loan
The construction/perm loan is available for people who want to build a home rather than buy an existing home. This loan allows a person to pay interest-only on the loan during the construction phase, then converts to a permanent loan upon completion of the home. The interest rate remains the same throughout the entire loan, and closing costs are paid only once.
Portfolio Loan Loans
This loan program allows you to buy a building lot or unimproved acreage now, then refinance your construction later when you are ready to build.
Investment Property Loans
This program is designed to allow you to buy residential property for the purpose of rental income.
Mortgage Rehab Loan
This program is designed to allow you to buy a home or refinance your current one and make capital improvements at the same time, all in the same loan. You no longer have to get one loan to buy a home, and then another to upgrade it. Consolidate both into one Mortgage Rehab loan and have one low payment.
The Alternative Credit Option
This loan program is designed to enable City National Bank to extend loan approval to borrowers with a less-than-perfect credit history. We understand that bad things can happen to good people, causing an isolated, temporary lapse in the timely payment of debts. This program may allow you to obtain loan approval, even if you have been declined by another financial institution.
Payment Calculator
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Lending Staff
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 John Long Sr. Vice President Division Manager |  Sheila Derreberry Mortgage Specialist Kanawha City |  Bev Goldfarb Mortgage Specialist Downtown |
 Jane Price Mortgage Specialist Beckley |  Tom McCarthy Mortgage Specialist Charles Town |  Fran Bostic Mortgage Specialist Cross Lanes |
 Sean Fuellhart Mortgage Specialist Huntington |  Laura Chandler Mortgage Specialist Martinsburg |  Lisa Peyatte Mortgage Specialist Clarksburg/Bridgeport |
 Faye Powell Mortgage Specialist Ashland |  Vicki Berry Mortgage Specialist Putnam County |  Heather Roques Mortgage Specialist Lewisburg |