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Ask the Lender


Each quarter we feature a mortgage lender answering some of the most commonly asked questions about purchasing and refinancing a home. If you’d like to submit a question for this column, email info@cnbohio.com.

"How can I compare the best options for selecting a mortgage?"

Purchasing a home is one of the largest financial commitments you will make in your lifetime. Sometimes it helps to see the numbers in black and white in order to determine what really makes sense for you and your family. Fortunately, Citizens National Bank’s website offers some really invaluable tools to help you compare purchasing options. By using our mortgage financial calculators, you can input your actual financial information to view different scenarios and allow you to make an educated decision about purchasing a home. All these tools are free to use and available 24/7 from our website, www.cnbohio.com/calculators/mortgage/.

Mortgage Calculators
Adjustable Rate Mortgage Calculator This calculator helps you to determine what your adjustable mortgage payments will be.
ARM vs. Fixed Rate Mortgage Use this calculator to compare a fixed rate mortgage to a Fully Amortizing ARM.
Maximum Mortgage Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
Mortgage Comparison: 15 Years vs. 30 Years Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Points Calculator Should you buy points? Use this calculator to find out.
Refinance Interest Savings Use this calculator to see how much interest you can save by refinancing your mortgage!
Rent vs. Buy Are you better off buying your home, or should you continue to rent?

Check them out and when you are ready to speak with someone about purchasing a home, contact one of our retail lenders!

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.