Introducing a historic deal for your home.  Mortgage rates are at historically low rates.
And, our Mortgage Lenders are ready to help.
              • Refinance & Purchase Options
              • A simple online application
              • Construction to Permanent Loans with One-time closing costs




Vic Feathers Mortgage LenderTri-Cities 

Vic Feathers   


David Oiler Mortgage LenderTri-Cities

David Oiler   


Kathy Fields Mortgage LenderBristol and Kingsport

Kathy Fields   


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) Loans
  • Click HERE for borrower and program availability 
Fixed-Rate Mortgage
  • Predictable monthly rates
  • Avoid interest rate inflation for the duration of the loan

Adjustable-Rate Mortgage

  • Enjoy lower interest rates in the early years of your loan
  • Adjustable-Rate Mortgage rates may increase after closing
This loan allows you to finance the construction of your new home.
Lot Loans allow you to buy a piece of land to make preparations needed to build your dream home on the lot.


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.

NMLS ID# Mortgage Loan Originator

1165994 Bryan, Mark

662696 Darnell, Rebecca

187078 Douglas, Sharon

493906 Feathers, Victor

493907 Fields, Kathy

493908 Ford, Sonya

610458 Kopman, Steve

568760 Leonard, Sheri

493905 Oiler, David

Link here to the NMLS consumer access website.

*Citizens Bank is not acting on behalf of or at the

direction of HUD or the Federal government.

Federal Housing Commissioner Approved Lending Institution