Whether it’s time to buy your first or next home, or to refinance your current mortgage, we’ve got you covered with a variety of options for mortgages in Northeastern PA. Browse our home loans below and apply for a mortgage online.



Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

Mortgage and Home Loan Options

  • Fixed Rate: Competitive interest rate that doesn’t change during the life of the loan
  • Adjustable Rate: Choose between a one, three, or five-year adjustment period. Interest rate may rise or fall depending on the index rate.
  • Non-Owner Occupied: Purchase or refinance loans for one to four-family, non-owner occupied residential properties.
  • First Time Homebuyer Programs: We are a lender of choice for the First Front Door Program and local first-time homebuyer programs in Scranton, Lackawanna County, and Monroe County.
  • Home Loan Refinancing: Replace your current mortgage with a new one that has a better interest rate or terms. It’s also possible to “cash out” some of your equity when you refinance.

Benefits of a Home Loan From Citizens Savings Bank

  • Competitively low mortgage rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, or non-owner occupied properties
  • Save money up front with zero point mortgages
  • Flexible terms customized to your unique situation, including different down payment options such as Family Gift, First Time Home Buyer Grants, and more. Learn more here.
  • A wide range of financing programs available, including:
  • Helpful loan advisors with working knowledge of the local real estate market
  • Refinance your current home to potentially lower your rate
  • Local NEPA decision-making and processing
  • Attentive, friendly service from start to finish

Apply for a home loan from Citizens Savings Bank!

Are you ready to apply for a mortgage? Still have questions? You can apply for a home loan online, contact us to learn more, or visit your nearest branch location in Clarks Summit, Scranton, Taylor, Honesdale, or Mount Pocono, PA.


Which Personal Checking Account is right for you?