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 Officers

 

gary braunstein

Gary M. Braunstein

Senior Vice President
Head of Citizens Home Lending
Corporate Headquarters
NMLS# 1015031

P 909.483.4328 | M 909.240.2752

anthony banuelos

Anthony Banuelos

Assistant Vice President
Senior Mortgage Loan Officer
Orange Business Financial Center
NMLS# 211644

P 714.919.7133 | M 310.339.4831

 
 

Moises romero

Moises Romero

Assistant Vice President
Senior Mortgage Loan Officer
Visalia Business Financial Center
NMLS# 1452952

P 559.429.7502 | M 559.410.0361

rosita rapelian

Rosita Rapelian

Assistant Vice President
Senior Mortgage Loan Officer
Burbank (Toluca Lake) Business Financial Center
NMLS# 666749

P 818.295.3242 | M 818.967.1827


All loans are subject to credit approval.

 

home loans

 

Questions? Call or click to get started.

locationsCall Us 888.228.2265