 Make a move into a home of your own. With City National Bank's Ladder Up Home Loan Grant, you could receive up to $20,000 that you never need to pay back. Use it to award your down payment, save on closing costs, or to buy down your mortgage rate. Find out more at cnb.com slash ladder up home. City National here for every stage of the journey. Poverty must be in a qualifying market in California, New York, or New Jersey. Additional terms and conditions apply. Not all applicants will qualify. Terms are subject to change without notice. City National Bank is an equal housing lender. Member FDIC. NMLS number 536994.