Home Mortgage

Whether you're buying a home or refinancing the one you already have, it is important to find the right lender and the right loan program.

Zero Down payment mortgage


With a Champion Mortgage, you'll have no down payment, no private mortgage insurance, low closing costs and low interest rates. This means you can purchase a $100,000 home for $435 a month.* If you're thinking of buying a home, now is the time. Call City today. 




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 *Not available for fixed rate or construction mortgage loans. Closing costs included expenses for appraisal, title serach, credit report, flood determination and settlement agent fees. Closing costs do not include expenses for prepaid interest, hazard or flood insurance, owners' title policy, real estate taxes, recording fees or transfer taxes. For example, based on a $100,000 loan amount at an interest rate of 3.20% (3.489% APR) for a 3/3 Adjustable Rate Loan for 30 years, the monthly principal and interest payment will be $432.47 for the first 36 months with a corresponding simple interest rate of 3.20%, the next 323 months the payment will be $450.98 with a corresponding simple interest rate of 3.565%, and the remaining 1 month payment will be $451.72 with a corresponding simple interest rate of 3.565%. The payments do not include taxes and insurance premiums and the actual payment obligation will be greater. The interest rate is variable and may increase or decrease at the end of the 3-year fixed rate period. Your interest rate may be adjusted every three years thereafter and will be based on an index plus a margin. The index is the three-year weekly Treasury Constant Maturity. At the end of the three years the rate will change based on the index, which currently is .69% plus the margin of 2.875%. Interest rate is accurate as of 03/10/2014. Limited time offer.