Helping Tennesseans to find their forever homes since 1934.
Whether you’re looking to buy, refinance, or build, our friendly mortgage lenders are ready to help you find the home loan solution that’s the perfect fit for you. With mortgage rates at historic lows, now could be the right time to move forward. You can get started with a simple online application, and we’ll guide you through every step of the process.
We’re proud to offer VA loan options to all current or former members of any branch of the U.S. Armed Forces and their spouses. And, in partnership with the USDA, we’re committed to creating pathways to homeownership in rural America.
Department of Veteran Affairs (VA) Loans
Loan option available to all current or former members of any branch of U.S. Armed Forces and their surviving spouses.
United States Department of Agriculture (USDA) Home Loans
Click here for borrower and program availability information.
With a fixed-rate mortgage, you get predictable monthly payments for the duration of the loan. Or, with an adjustable-rate mortgage (ARM), you can enjoy lower rates up front. We’ll help you make the choice that’s best for you and your family.
Predictable monthly mortgage interest rates
Avoid interest rate inflation for the duration of the loan
Enjoy lower interest rates in the early years of your loan
Adjustable-Rate Mortgage rates may increase after closing
Our construction loan option allows you to combine your construction financing and mortgage into a single loan and only pay closing costs once. We can provide information on the ins and outs of the process, when payments start, and more. Reach out to any of our mortgage lenders for additional details.
If your dream home doesn’t exist yet, consider a lot loan from Citizens Bank. You can finance the purchase of a plot of land and start planning your build without the time pressure of a construction loan.
The Secure And Fair Enforcement For Mortgage Licensing Act Of 2008 (SAFE Act) was enacted to improve the accountability and tracking of residential mortgage loan originators, enhance consumer protection, reduce fraud, and provide consumers with easily accessible information regarding the professional background of mortgage loan originators. Pursuant to the SAFE Act, the mortgage loan originators are required to obtain a unique identifier through the Nationwide Mortgage Licensing System and Registry. The SAFE Act requires mortgage loan originators (and banks) to provide these unique identifiers to consumers upon request.