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How to Get a Loan

Once you select Citizens National Bank to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan application process, we provide you with regular updates. You can also email us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here's an overview of the loan application process

STEP ONE -- Apply Now! Getting started is easy

When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the right under "Apply Now".

At the appropriate time we'll order a property appraisal for you.

STEP TWO -- If Your Loan is Approved and Funded

Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.

We will coordinate with the escrow team and you'll sign the final papers at their office.

Simple, Straightforward, Cost Effective, and FAST!

Apply Now
Select a loan application:


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Citizens National Bank
P.O. Box 1009, Henderson, TX  75653
Toll Free:  (877) 566-2621
Office:  (903) 657-8521
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