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Residential Mortgages
and Loans

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Residential Mortgages and Loans

There Is A City National Bank Of Florida Residential Mortgage For You

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For 75 years, City National Bank of Florida has helped clients realize their homeownership dreams. With full service banking centers located from Miami to Orlando, we are the third largest Florida-based bank.

From conventional fixed rate loans, jumbo loans, and specialty mortgage loans, we specialize in a variety of loan options that are innovative and flexible to meet your needs.1

Refinancing your existing loan can lower your monthly payment and reduce your interest rate. Learn more about your options for paying off your loan sooner. Taking advantage of today's low rates is just one of the many reasons to consider refinancing your mortgage.

Buying a home can be one of the most important financial decisions many people will make. City National Bank of Florida provides a variety of flexible, customizable options for your mortgage. All loans come with the convenience of local application, approval and closing process.

BRIDGE LOANS: SHORT-TERM FINANCING OPTIONS

  • Jumbo loans available
  • Interest only payments with final balloon payment

Construction loanS

  • New home construction
  • Rate lock at time of construction loan closing
  • Single upfront closing cost

Conventional Loans

  • Loans to $806,500
  • Fixed and Adjustable Rates
  • Up to 97% Loan to Value (LTV)

FHA and VA Loans

  • Purchase and Refinance
  • Low and no down payment options
  • Up to 100% Loan to Value (LTV) for VA Loans

FIRST-TIME HOMEBUYER PROGRAM

Designed to make home buying for low to moderate income borrowers more accessible

  • Flexible underwriting and local decision-making
  • Loan-to-value ratios as high as 97%
  • Up to $5,000 toward closing cost and/or down payment
  • Fixed mortgages
  • Refinance options available
  • No private mortgage insurance required

FOREIGN NATIONALS

  • Jumbo loans available
  • Second and Investment Homes
  • Expanded LTVs for Canadian, Chilean and European borrowers

HOME EQUITY LINES OF CREDIT

  • First mortgage up to $5M
  • Second  mortgages up to $1.5M
    (higher limits may be available)
  • Reduced Closing Costs Plans2

Our Residential Mortgage Experience.

City National Bank of Florida has a specialized Residential Mortgage Team ready to help you with your next home loan. From application to closing, we enable the swift processing of your application.

Our way of working includes:

  • Clear and concise application
  • Multiple, flexible loan options
  • Convenient closing to meet your schedule
  • Exceptional residential mortgages tailored to meet your needs

Solution-Driven Lending

  • Each and every loan is underwritten locally
  • Portfolio Loans - we specialize in mortgages that are innovative and flexible to meet our clients needs.
  • Every mortgage is different because every borrower is unique. That's why we offer residential mortgages in every shape and size, flexible and innovative.

1All loans are subject to credit approval and loan requirements. Terms and conditions apply. This is not a commitment to lend. Loan programs, terms, rates, and conditions are subject to change without notice

2Closing costs are comprised of Recording Fee, Doc Stamps, Title/Name Search, Intangible Tax, Tax Service Fee, Flood Certification Fee and Flood Certification (Life of Loan). City National Bank of Florida will take up to $975 off this total for lines of credit totaling more than $100,000.

APPLY FOR A RESIDENTIAL MORTGAGE TODAY OR CONTINUE YOUR APPLICATION!

Residential Mortgage Application

GET IN TOUCH

Not ready to apply online?
‍Contact our specialized Mortgage Loan Officers.

NMLS #412469

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Please note: City National Bank of Florida does not offer tax, legal or accounting advice

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