Home Lending

Whatever stage of life you are in, we are here to serve all your financial needs, including helping to finance your home. Citizens Business Bank, NMLS# 417441, offers a variety of home lending options and local service through Citizens Home Lending. Our seasoned Mortgage Loan Officers work closely with you to find the right loan product and guide you through the lending process each step of the way. Loan programs are available for primary residences, second homes, vacation homes, and rental properties.

Why choose Citizens Home Lending?

  • Multiple loan options including fixed, ARM hybrid, and interest only
  • No additional lender fees for jumbo loans
  • Zero point loans
  • Experienced lenders
  • In-house loan processing, underwriting, and funding



Home Mortgage Loans

Our Mortgage Loan Officers can help you choose from a variety of mortgage loans for your home purchase or refinance.


Fixed Rate LoansFixed Rate Loans

With our fixed rate home loan, you have the security of knowing your interest rate, along with your monthly principal and interest payment, will remain the same for the term of the loan.


Benefits include:
  • Easier budgeting with fixed payment
  • No pre-payment penalty
  • Should interest rates rise, your Home Loan interest rate and payment will remain the same
  • Quicker loan payoff and faster equity building
  • Zero point loans


Home Equity Line of CreditHome Equity Line of Credit

With a home equity line of credit, you can borrow funds against the equity in your home to finance home improvements, major purchases, or unexpected expenses. A home equity line of credit gives you the flexibility to borrow funds when you need, at a competitive rate.


Benefits include:
  • 10-year draw period
  • Up to 70% combined loan-to-value (CLTV)


Adjustable Rate Mortgage Hybrid Loans Adjustable Rate Mortgage Hybrid Loan

If you are looking for your initial payment to be lower than a traditional fixed rate mortgage, a hybrid adjustable rate mortgage loan could be the solution.


Benefits include:
  • Many options for purchase and refinance transactions
  • Multiple financing term options
  • Zero point loans
  • No pre-payment penalty
  • Interest-only options available





Mortgage Loan Team


daniel limon

Daniel Limon

Senior Vice President
Specialty Lending Division Manager
NMLS# 917801


jeannette kabayan

Jeannette Kabayan

Senior Vice President
Citizens Home Lending Manager
NMLS# 2042264

P 909.483.4328 | M 909.240.6006

flora shaldjian

Flora Shaldjian

Senior Mortgage Loan Officer
Pasadena Business Financial Center
NMLS# 966060

P 626.568.2148 | M 626.660.9453

robert russo

Robert Russo

Senior Mortgage Loan Officer
Visalia Business Financial Center
NMLS# 251914

P 559.429.7520 | M 559.329.2575

Roubik Karapetian
Vice President
Residential Mortgage Credit Officer
NMLS# 272841

Laura Pineda
Mortgage Loan Processor
NMLS# 1189650

All loans are subject to credit approval.

home loans

Questions? Call or click to get started.