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Residential Mortgages

City National Bank provides a variety of flexible, customizable mortgage options for the purchase or refinance of your home. All loans come with the convenience of local application, approval and closing process and CNB's best-in-class client experience.

Jumbo Mortgages

Loan Features:

  • Portfolio lending gives you more flexibility
  • Available for jumbo mortgages up to $5 million
  • Up to 89.49% Loan-to-Value (LTV)
  • Multiple ways to qualify


Conventional Mortgages:

Loan Features:

  • Available in fixed and adjustable rate​
  • Financing up to $484,350​
  • Up to 97% Loan-to-Value (LTV)
  • Primary, second home, and investment propertie


CitySmart Mortgages:

Loan Features:

  • Available for low to moderate income borrowers
  • Up to 95% Loan-to-Value (LTV)
  • No Private Mortgage Insurance (PMI)
  • Fixed term
  • Down payment assistance


Foreign National Mortgages:

Loan Features:

  • Adjustable rate mortgages
  • Financing up to $3 million
  • Second and investment homes
  • Available for purchases or refinances


Construction-to-Permanent Loan:

Loan Features:

  • For new construction or substantial renovation of primary homes
  • ”One-time” close. (This type of loan is a home mortgage that can be used by the borrower to close both the construction loan and permanent financing of a new home at the same time.)
  • Loan Amounts up to $5,000,000


Home Equity Line of Credit:

Loan Features:

  • Available for first mortgage up to $5 million and second mortgage up to $1.5 million
  • No closing costs* for lines up to $100,000
  • Flexible payment features
  • Interest only options


To speak with a CNB Mortgage Loan Officer, contact us at (305) 577-7333.

All loans are subject to credit approval and loan requirements.
Closing costs are comprised of Recording Fee, Doc Stamps, Title/Name Search, Intangible Tax, Tax Service Fee, Flood Certification Fee and Flood Certification (Life of Loan). City National Bank will take $975 off this total for lines of credit over $100,000. Applicable for credit lines starting from $10,000. Maximum credit line for condominiums is 75% loan-to-value (LTV) and 80% LTV for single family residences. The Annual Percentage rate (APR) is indexed to the Prime Rate. Prime rate is based on Wall Street Journal prime as published in the Wall Street Journal. APR 4.00%-18.00% (APR depends on creditworthiness). The interest rate is variable and subject to change, but will not exceed 18% APR at any time. Property and/or flood hazard insurance may be required. Interest is tax deductible in most cases, but please consult your tax advisor.


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