

There Is A City National Bank Of Florida Residential Mortgage For You
With full service banking centers located from Miami to Orlando, we are the third largest Florida-based bank.
- 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
- 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.
Our way of working includes:
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Clear and concise application
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Multiple, flexible loan options
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Convenient closing to meet your schedule
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Exceptional residential mortgages tailored to meet your needs
Solution-Driven Lending
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Each and every loan is underwritten locally
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Portfolio Loans - we specialize in mortgages that are innovative and flexible to meet our clients needs.
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Every mortgage is different because every borrower is unique. That's why we offer residential mortgages in every shape and size, flexible and innovative.
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.