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We’ve been helping neighbors since 1905. When it’s time to find the right mortgage, turn to the bank that knows you.

Key Features

Competitive Rates

Free Pre-Approval

Refinancing Available

  • Competitively low rates for home purchase or refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • Rural Development Loans
    • FHA Loans
    • VA Loans
    • First time homebuyer specials
    • Construction Loans
  • Budget-friendly repayment terms, unique to your situation
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Helpful lenders with working knowledge of the local real estate market
  • Local decision-making and processing right here in Middle Tennessee
  • Attentive, friendly service from start to finish

Building your home from the ground up is a whole lot easier when you have local experts right around the corner. Transition from the construction phase to mortgage payments with the help of Citizens Bank.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed

Your neighbor since 1905

Our relationship-first approach means we’ll never treat you like a transaction.

Get to know us