About Us
We have built a strong reputation as an outstanding mortgage banker, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We are a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources, and all of our lending specialists are dedicated to finding the right loan with the best rates, terms and costs to meet your unique needs. That is just the beginning of our service! Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.
It is our pleasure to offer all of our exceptional mortgage services online. You not only have access to the best loans available in the marketplace, but you can also review loan alternatives. You may apply for your loan, at your convenience, online - 24 hours a day.
Thank you for visiting our website. We look forward to putting our mortgage service to work for you!
How We Work
Steps to Buying a Home
1. Meet with a Local Lender
Our local lenders can answer any questions you have and help you prequalify so you know how much house you can afford before beginning the application process. Prequalification is optional, but it can help you save money and avoid falling in love with a house out of your price range.
2. Look for the Perfect House
Once you have worked with one of our lenders to determine a price range that fits your budget, search for your dream home. For the typical home buyer, we recommend using a local Realtor to assist in your search.
3. Apply for Your Loan
You can start the mortgage application process online or in-person with your local lender. We will work with you to select the right mortgage product. Typically, we can review and approve a completed application within 24 hours.
4. Close Your Loan
At the loan closing, your Mortgage loan is finalized, you pay closing costs and you receive the deed and keys to your new home.
Steps to Refinancing Your Home
1. Gather Information on Your Existing Loan
Before you make a decision on refinancing your Mortgage, you should gather information on your existing Mortgage and any other loans using the property as collateral (e.g., Home Equity Loans and Lines of Credit) so we can help you evaluate your options. Critical factors in a refinancing decision will include current rates, terms, payoff amounts and applicable prepayment penalties.
2. Meet with a Local Lender
With information on your existing loan(s) in hand, our local lenders can help you quickly evaluate whether refinancing makes sense for you. Based on the documentation from your current loans and your financing goals, we’ll be able to recommend a product that works for you.
3. Apply for Your Loan
You can start the Mortgage application process online or in-person with your local lender. Typically, we can review and approve a completed application within 24 hours.
4. Close Your Loan
At the loan closing, your Mortgage loan is finalized, you pay closing costs and begin enjoying lower monthly Mortgage payments.
Apply now for an Unbelievably Good mortgage experience!
First Citizens National Bank offers insurance for your mortgage needs.
Insurance Products are not insured by FDIC or any Federal Government Agency; are not a deposit of, or guaranteed by the bank or any bank Affiliate; and may lose value.