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Residential Mortgages and Loans

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


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.


Find below the right opportunity for you and apply online or contact our specialized Mortgage Loan Officers.

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.
 
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.
  • Jumbo loans available
  • Interest only payments with final balloon payment
  • New home construction
  • Rate lock at time of construction loan closing
  • Single upfront closing cost
  • Loans to $726,200
  • Fixed and Adjustable Rates
  • Up to 97% Loan to Value (LTV)
  • Purchase and Refinance
  • Low and no down payment options
  • Up to 100% Loan to Value (LTV) for VA Loans

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
  • Jumbo loans available
  • Second and Investment Homes
  • Expanded LTVs for Canadian, Chilean and European borrowers
  • First mortgage up to $5M 
  • Second  mortgages up to $1.5M 
    (higher limits may be available)
  • Reduced Closing Costs Plans¹
  • Larger loan amounts, flexible terms
  • Fixed and Adjustable-Rate Mortgages
  • Interest Only option
  • Down payments as low at 3% for loan amount to $850K
  • Low down payments for loan amount to $3M
  • Buyer does not pay mortgage insurance
  • Student loans deferred for 12 months, or more are negated from the debt to income ratio
  • Program allows for both primary and secondary home
  • Down payment requirements vary
  • Down payments as low are 0% for loan amount up to $1M
  • Low down payments for loan amounts up to $3M
  • No mortgage insurance or Buyer does not pay mortgage insurance.
  • Student loans deferred for 12 months or more are negated from the debt to income ratio
  • No restrictions for time out of residency
  • Program allows for both primary and secondary home
  • Down payment requirements vary

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. 

*All 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
 

¹Closing 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.