Available only in the state of Mississippi.

1) True Opportunity Loan
To qualify, the applicant’s annual income must be less than the maximum US Dept of Housing and Urban Dev (HUD) level for the area OR the address of the home must be in a low to moderate income tract based on HUD maps in MS. Minimum credit score is 600. Up to a 5-year term (60 months) with a low fixed rate. Loan amount ranges from $1,000 to $6,000. 1st or 2nd lien secured by the primary residence. Bank pays closing costs. Subject to credit approval.

2) Home Opportunity Mortgage
Applicant must meet one of the following guidelines to qualify 1) annual income must be

• Hattiesburg | $62,559.92 or less | Maximum loan amount $200,000
• Jackson | $61,439.92 or less | Maximum loan amount $200,000
• DeSoto County | $63,359.92 or less | Maximum loan amount $200,000
• Non-Metro Area | $51,359.94 or less | Maximum loan amount $150,000
  (Lowndes, Noxubee, Neshoba, Leake, Attala, Lauderdale, Clarke, Jones and Wayne Counties)

OR 2) home must be located in MS and identified as low to moderate income tract as defined by latest US census. Limited to a home and five acres. The land value should not be more than the home. Minimum credit score of 625 to qualify, other restrictions may apply. Maximum loan amount of $150,000, minimum loan amount of $25,000, 2% down payment required on home purchases, 5% down payment for any refinance (No Cash Out). Customer pays all closing costs, doc prep fee of $300, no origination fees, no PMI, taxes and insurance will be escrowed in monthly payment. For example, a home purchase of $75,000 with a 6.49% APR fixed and a 2% down payment would cost $548 per month, plus escrow of taxes and insurance, for 240 months. Offer is subject to credit approval. Rates subject to change.

3) Home Opportunity Plus Loan
The Home Opportunity Plus Loan is a companion loan to the Home Opportunity Mortgage. Applicant must obtain a Home Opportunity Mortgage to be eligible for the Home Opportunity Plus Loan. Minimum credit score of 625 to qualify. Maximum loan amount is $7,500, minimum loan amount is $1,000. Contact your Citizens National Bank lender for rates and terms. Simultaneous closing with Home Opportunity Mortgage. Customer must contribute $500 toward the Mortgage closing costs in addition to having the Home Opportunity Plus Loan. No document preparation fee. No cash reserves required. Offer is subject to credit approval. Rates subject to change.