CITIZENS FIRST FINANCIAL CORPORATION PRODUCTS AND PROGRAMS

FIXED RATES: 10, 15, 20, AND 30 YEARS

ARMS: 1/1, 3/1, 3/3, 5/1, 7/1, 10/1

Free appraisal reimbursed at closing

Conforming and Jumbo Loans
Conventional, FHA and VA Loans
Loan amounts to $2 million
Purchases to 97% LTV
ARM programs to 95%
Rate and terms refinance to 95%
Cash-out refinances to 80%
No income verification (for self employed and non self employed)
Second home purchases to 90%
Investment property to 90%
First time homebuyers' program
Free pre-qualification
Pre-approval (no property required; no fee charge)

CALL RICK FIRST AT CITIZENS FIRST (801) 265-9898
ricknelson@citizensfirstfinancial.net