Citizens Financial Services

05/21/2026

Owner-occupants can use an FHA loan to purchase a 2–4 unit property using rental income to help qualify. Here's how it works and what lenders require.

Owner-occupants can use an FHA loan to purchase a 2–4 unit property using rental income to help qualify. Here's how it works and what lenders require.

05/19/2026

Learn how adjustable-rate mortgages work, including fixed periods, rate caps, and adjustment schedules. Find out if an ARM could save you money.

05/14/2026

FHA loans require homes to meet minimum standards for safety, security, and structural soundness. Learn what can cause a home to fail to get FHA approval.

FHA loans require homes to meet minimum standards for safety, security, and structural soundness. Learn what can cause a home to fail to get FHA approval.

05/12/2026

Thinking about refinancing? Learn the most important questions to ask lenders about rates, costs, PMI, and loan terms before you refinance your mortgage.

Thinking about refinancing? Learn the most important questions to ask lenders about rates, costs, PMI, and loan terms before you refinance your mortgage.

05/07/2026

Explore today’s mortgage down payment options, including low down payment programs that can help qualified buyers purchase a home.

Explore today’s mortgage down payment options, including low down payment programs that can help qualified buyers purchase a home.

05/05/2026

Worried about accepting a VA loan offer? VA appraisals, closing timelines, and zero down payment are often misunderstood. Get the facts.

Worried about accepting a VA loan offer? VA appraisals, closing timelines, and zero down payment are often misunderstood. Get the facts.

04/30/2026

Mortgage points let you pay upfront to reduce your interest rate. Learn how discount points work and whether paying them at closing is right for you.

Mortgage points let you pay upfront to reduce your interest rate. Learn how discount points work and whether paying them at closing is right for you.

04/28/2026

Multifamily properties offer multiple income streams, scalable returns, and long-term equity growth. Learn the benefits, risks, and financing options.

Multifamily properties offer multiple income streams, scalable returns, and long-term equity growth. Learn the benefits, risks, and financing options.

04/23/2026

Learn how the secondary mortgage market works, why lenders sell loans, and how Fannie, Freddie, and mortgage-backed securities keep home financing accessible.

Learn how the secondary mortgage market works, why lenders sell loans, and how Fannie, Freddie, and mortgage-backed securities keep home financing accessible.

04/21/2026

Owning a home gives you a bundle of legal rights — but zoning laws, HOA rules, liens, and easements can limit them. Here's what every homeowner should know.

Owning a home gives you a bundle of legal rights — but zoning laws, HOA rules, liens, and easements can limit them. Here's what every homeowner should know.

04/16/2026

VA adjustable-rate mortgages start with lower rates than fixed-rate loans — no down payment or PMI required. See how VA ARMs work and if one is right for you.

VA adjustable-rate mortgages start with lower rates than fixed-rate loans — no down payment or PMI required. See how VA ARMs work and if one is right for you.