Mortgage

At First Citizens National Bank, we love our community and that’s why we are so passionate about mortgage lending. Helping our customers finance a new home is one of the most gratifying things our experienced, local lenders do. Whether you are purchasing a new property, refinancing or buying a vacation home or investment property, we have a financing plan that will meet your needs.

Loan Options

• Conventional Mortgages – A traditional financing option with fixed and variable rates
• FHA Loans – A government-insured loan featuring lower down payments
• VA Loans – A special program for active military, veterans and spouses
• Jumbo Mortgages – Larger mortgage loans for high-value properties
• Reverse Mortgages – Alternative home equity option for older adults
• THDA Loans – A grant program for home buyers in Tennessee
• Rural Development Loans – Home ownership opportunities for low- to medium-income families in rural America

Mortgage Resources

• First Time Homebuyer Programs – Special programs to help new homeowners
• FAQs – Answers to frequently asked questions about mortgages
• Mortgage Glossary – Mortgage terminology defined
• Mortgage Calculators – Run the numbers to estimate payments and more
• Mortgage Lending Team – Meet our professional mortgage lenders