Home Mortgage

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




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.


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.



City National Bank is a part of your local community. We recognize your desire to conduct business with a local company who has your best interests at heart. We strive to exceed your expectations for customer service and realize that different people have different circumstances that need special attention. Contact one of our lending specialists to learn more about our wide variety of innovative loan programs to compliment your specific financial needs. Click here to find out how much mortgage you might qualify for.

What City National Bank Can Offer You

  • Local processing for faster approvals.
  • Reduced closing costs.
  • A professional staff that brings a wealth of knowledge and experience to the table. Our mortgage lending specialists have over 150 years of experience in the home lending industry.
  • A full range of innovative home loan programs to meet your specific needs. From loans with low down payments to traditional fixed-rate loans, we have the loan products to meet your personal financial situation.
  • A timely credit decision on your application that allows us to streamline the process and close your loan fast and easy.

Loan Products


Portfolio ARM Loans

These loans are designed to give you the flexibility that you need to qualify for a home loan. The interest rate and the closing costs are generally lower for a home loan, and the interest rate can be fixed for up to five years. The Portfolio ARM products are a viable alternative to the traditional fixed-rate loans for borrowers who have limited cash for down payments, or for those who prefer a lower monthly payment.


Traditional Fixed-Rate Loans

These loans are available for people who desire the stability of a fixed-rate monthly payment for the entire term of their loan. Fixed-rate loans generally have a higher interest rate and a higher monthly payment than Portfolio ARM loans and are available for up to 30 years.


Construction/Perm Loan

The construction/perm loan is available for people who want to build a home rather than buy an existing home. This loan allows a person to pay interest-only on the loan during the construction phase, then converts to a permanent loan upon completion of the home. The interest rate remains the same throughout the entire loan, and closing costs are paid only once.


Portfolio Land Loans

This loan program allows you to buy a building lot or unimproved acreage now, then finance your construction later when you are ready to build.


Investment Property Loans

This program is designed to allow you to buy residential property for the purpose of rental income.


Mortgage Rehab Loan

This program is designed to allow you to buy a home or refinance your current one and make capital improvements at the same time, all in the same loan. You no longer have to get one loan to buy a home, and then another to upgrade it. Consolidate both into one Mortgage Rehab loan and have one low payment.


The Alternative Credit Option

This loan program is designed to enable City National Bank to extend loan approval to borrowers with a less-than-perfect credit history. We understand that bad things can happen to good people, causing an isolated, temporary lapse in the timely payment of debts. This program may allow you to obtain loan approval, even if you have been declined by another financial institution.


Lending Staff


John Long
Sr. Vice President
Division Manager


Sheila Derreberry
Mortgage Specialist
Kanawha City

Beverly Goldfarb
Mortgage Specialist

Jane  Price
Mortgage Specialist


Tom  McCarthy
Mortgage Specialist
Charles Town

Sean Fuellhart
Mortgage Specialist

Ian Gingold

Mortgage Specialist
Eastern Panhandle

Faye Powell
Mortgage Specialist

Vicki Berry
Mortgage Specialist
Putnam County

Heather Roques
Mortgage Specialist

Kurt Leachman

Mortgage Specialist



Toni Tampoya

Mortgage Specialist



Dianne Booth

Mortgage Specialist

Virginia Beach, VA


Michelle R. Coffey

Mortgage Specialist

Shenandoah Valley, VA


Denise Snapp

Mortgage Specialist

N. Shenandoah Valley, VA