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Most people require a mortgage to purchase a home. It’s one of the most expensive purchases anyone makes throughout their life, and it’s not one many can afford to make without the help of monthly payments. Without the option to mortgage a home, many buyers would spend their entire life saving money to purchase a house in full using cash. Since that’s not an option for so many buyers across the country, CCO makes it possible to apply for a mortgage and buy the home of your dreams right now. It’s simple, and it’s easy to do once you know what to expect. If you’re comparing rates and companies, learning what CCO has to offer makes the process simple.

CCO Loans

Citizens One is the new name of CCO as of 2015, but their long-standing customers are accustomed to calling the company by its old acronym. CCO offers a wide variety of mortgage options for buyers, which enables them to see which one works best for their current situation.

CCO Mortgage ReviewFixed-rate mortgages are available for anyone, and they work simply. A fixed-rate mortgage is designed to offer financial peace and security to those who use them. The rate never changes throughout the life of the loan, which means no monthly payments change.

Adjustable-rate mortgages work well for those who like a change. It’s a bit of a gamble to know your rate might change every few years to a higher rate, but buyers hope their rate will drop with the national average. Other buyers know they won’t live in their home long enough for that first rate change, which is what makes this option work well for them.

Jumbo mortgages are available for anyone who wants to buy a home that costs more than $417,000. These loans are for bigger, more expensive homes. All lenders require you go this route because this is the highest limit for the national conforming loan limits.

mortgageVA loans are available to any man, woman, or direct relative of someone who does or did serve in any branch of the United States’ armed forces.

FHA loans are made available to all buyers who cannot afford to pay 20% of the value of their desired home as a down payment.

Doctor loans are available for those who are doctors working on their residency or who completed their residency in the past 10 years.

Construction loans are available to anyone who wants to build the home of their dreams. These loans are turned into permanent loans when the home is completed and a construction loan is no longer necessary.


CCO’s current rates are competitive, but they change daily. Every lender changes their rates as they go up and down across the nation, so you must apply now to lock in the lowest rates. The rate you pay to purchase your home depends on the amount you borrow, the credit history to your name, and the kind of loan you are approved to borrow. The lowest rate is not guaranteed to anyone, but it’s available to those who have excellent credit higher than 740.

Buying a home is stressful enough without worrying about the details associated with finding the right mortgage. CCO knows how to treat customers to the best service possible, which makes it possible to enjoy better service and peace of mind. Your loan officer is there for you every step of the way, and you never worry that your questions aren’t being answered or cared for as you move through the loan process today.