All City Bank locations will be closed on Monday, October 14th, in observance of Columbus Day. Please utilize digital banking platforms for your banking needs or connect with us using Penny, our virtual banking assistant. Normal hours will resume on Tuesday, October 15th.

Wire transfer and ACH files will not process on Monday, October 14th.

Joy Arthur

Mortgage Consultant

NMLS #1039214

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Joy is a College Station native and has been in the mortgage lending business for 22 years. An integral part of the City Bank Mortgage team, Joy has a vast knowledge of mortgage products and is committed to helping homebuyers get their new home or investment property financed in the most efficient, professional manner. You can trust Joy to get your loan to the finish line, with a focus on customer service, while having your best interest at heart.

In the community, Joy is a member of the Bryan College Station Regional Association of Realtors, and the Greater Brazos Valley Builder’s Association. She has one grown daughter, along with her husband, and one grandson that they treasure.

Contact

1409 University Drive East
College Station , TX , 77840

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Mortgage Process

A step-by-step guide for the process of obtaining a mortgage.

FAQs and Resources

Get answers to commonly asked questions and view resources such as a document checklist.

Mortgage Blogs

Helpful tips, updates, and trends on everything mortgage.

The calculations provided by this calculator are based entirely on the information you enter, including any loan amount and/or interest rate. These calculations do not reflect the terms available for any City Bank Mortgage loan. The information cannot be used by City Bank Mortgage to determine a customer’s eligibility for a specific product or service. All calculators are provided by a third-party and are not associated or controlled by City Bank Mortgage. City Bank Mortgage is not responsible for the content, results, or accuracy of the information. Calculations are for informational purposes only and not intended as an advertisement.

Loan approval is subject to credit and property approval and program guidelines. Other restrictions apply. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. If your down payment is less than 20 percent of the home’s purchase price, mortgage insurance may apply. If subject property is located in a special flood hazard area, flood insurance may apply. Homeowners insurance and property taxes may be reserved in an escrow account and allocated each year. Taxes, insurance, and any other potential fees are not determined until an application is submitted and a property is identified. The monthly escrow items are 1/12 of the actual amount and do not include a cushion. Other fees may apply.