HOME MORTGAGES. Bank of Cleveland is lending cash for homes in Bradley County for more than twenty years.

May 6, 2020

HOME MORTGAGES. Bank of Cleveland is lending cash for homes in Bradley County for more than twenty years.

Our experienced loan providers have the information and expertise to obtain the loan that is right you.

  • Mainstream Mortgages
  • FHA-VA-RD-THDA Loans
  • Very First Time Homebuyers
  • Refinance
  • Jumbo Loans
  • Adjustable & Fixed Speed Loans
    • Fixed price mortgages can sometimes include balloon loans for amount of 3 to 5 years upon that your last payment will increase to cover from the stability of the loan.

Our Originators

Breanna Isham, NMLS# 1612425

Joe Collins, NMLS# 1313532

Tammy Personal, NMLS# 641503

Traci Hamilton, NMLS# 641500

* To validate a NMLS# click the link

Our Dedication To You. Information We Might Need

To constantly act into the interest that is best of this customer.

To deal with other people even as we wish to be addressed.

Every time to every client to deliver superior service.

To the office because quickly and effectively as you possibly can without compromise to precision.

To adhere to any and all sorts of statutory guidelines related to home loan financing, properly.

Social Protection Quantity

Present and addresses that are previous the last couple of years.

Contact information for landlord or home loan business.

A couple of years work history.

Bank-account figures and balances.

Many recent bank statements.

Many investment that is recent (401K, etc. )

Individual assets and total value.

A number of debts with title, target, account quantity, minimal payment and stability.

If relevant, we possibly may also require breakup decree, kid help receipts for previous year, content of bankruptcy documents with explanation and description of any work gaps in the last 2 yrs. There are often documentation that is additional for people who are self-employed.

The Method

There are plenty of forms of home loans, though the fundamental procedure is the exact same:

Prequalify-determination for the maximum loan and most useful loan kind for you personally.

House Hunt-consult your realtor that is local to you available properties in your budget range.

Application Process-info from your own application will be validated, assessment ordered, etc.

Underwriting-ultimately authorizes approval for the loan and clears for closing.

Closing- all ongoing events will likely be planned to shut. Closing will need roughly 60 minutes.

Essential Variables

There are lots of factors which will determine your loan ultimately item and price regarding the loan:

Earnings- many recent taxation return and a lot of present pay stub will likely to be required.

Debt-your total financial obligation and month-to-month financial obligation solution are going to be required.

Credit Score- your credit score will be accessed.

Cost cost Savings- Balance of cost cost savings (typically should include your deposit)

Employment History- your work history shall be confirmed within the application procedure.

Appraisal of Home- this can determine the worth or value for the house these days.

Cost of Home- The acquisition cost.

Home Loans

A property it is possible to phone your very own.

Now feasible with Citi mortgage loans with interest levels beginning at 8.20%*p.a.

Revolutionary home loan solutions for the life’s changing needs

At Citibank, we recognize that you’ll need different sorts of home loan services and products at various phases of life. Home financing loan goes a way that is long funding your aspirations.

Our home loan items are filled with features which will complement both your way of life and goals that are financial. You the widest range of mortgage loan solutions with different mortgage loan rates to make your dream home a reality whether you looking at buying a new house, renovating your existing home, investing in property or transferring your existing loan, Citibank presents to.


We, at Citibank, realize that at different life phases, you will need various kinds of mortgage loan items and features to fit both your way of life and goals that are financial. Whether you taking a look at purchasing an innovative new home, renovating your current house, buying home or moving your existing loan, Citibank presents for you the widest variety of home loan methods to make your fantasy house a real possibility.

Require A Fresh Home

Whether you are a home that is first-time, buying your ideal house or changing houses – we’ve the right mortgage loan providing to suit your preferences.

  • Buy of under construction home
  • Buy of ready home
  • Home Loan for NRIs

Need certainly to Move Your Existing Loan

stop paying payday loans legally

Move your high expense loan to Citibank and lower your month-to-month installment burden. It is possible to avail improvement in your loan for extra requirements.

  • Move your high expense loans
  • Avail enhancement for just about any individual, company or expert need
  • Combine the debt

Need financing Against Property

Citibank enables you to leverage your domestic or commercial home’s value to avail that loan for your requirements whatever they might be:

  • Company expansion
  • Repayment of other loans
  • Buy of commercial property
  • Any kind of individual, company or expert need

Of Good Use Links


*Terms and conditions use. All loans have reached the discretion that is sole of N.A. Citibank reserves the ability to ask for almost any additional papers from the applicant. Citibank reserves the proper, at anytime, with previous notice to incorporate / alter / modify / modification or differ some of the conditions and terms or to change them, wholly or perhaps in component. View here for most terms that are important conditions. Please relate to our Schedule of Charges.

Home loans can be found just in Delhi-NCR, Mumbai, Pune, Bengaluru, Chennai, Hyderabad, Jaipur, Coimbatore, Ahmedabad, Chandigarh & Kolkata.

Citibank Asia will not promote any service or product to people resident into the European Union, European Economic region, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican and also the Isle of guy. This website just isn’t, and may never be construed since, an offer, solicitation or invitation to purchase or offer some of the services and products mentioned herein to people resident into the European Union, European Economic region, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican and also the Isle of guy.