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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Jumbo Mortgages

If you are buying a luxury home, you may need to borrow a large sum of money. That’s when you need a jumbo loan.

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A jumbo loan can be set up as a fixed-rate mortgage, adjustable rate mortgage or interest-only mortgage.
  • Fixed-rate and adjustable-rate options available
  • Underwriting completed in-house
  • Competitive rates and terms
  • Available to qualified veterans, active-duty military and spouses or widows/widowers
  • Down payment may not be required
  • $5 monthly fee if average balance is below $7,500


What our
customers say

I like that First Citizens is locally owned. It has that small-town atmosphere about it.

– First Citizens National Bank customer