First Citizens National Bank Mortgage Lending Division

About Us

First Citizens National Bank has remained strong during these economically challenging times. Our flexible loan programs and professional staff take the anxiety out of home buying! The types of loans available include FHA, VA, THDA, Rural Development, Conventional, Jumbo and Reverse Mortgages. Single Family, Multi-Family, Vacation Homes, Condominiums and Town Houses are some of the properties that may be financed.

- Fixed, Adjustable Rate and Interest-Only loans are available.

- Variety of loan terms available

- Underwriting approvals completed in-house

- Competitive Rates & Terms

- 100% loans available for Rural Development Clients

- Below market interest rates are offered to low-to-moderate income clients through our partnerships with THDA (Tenn. Housing Development Agency) and RD (USDA Rural Development).

- Competitive rates are offered for the construction of principal residential loans.

- Reverse Mortgages are offered to our Senior Citizens to strengthen their personal and financial independence.