In the time it takes to say "Ready, Set, Close," Citizens Bank can make your dream home a reality. 

We have the experience – and will take the time – to lead you through the home loan process. You can be assured we'll be with you step-by-step... from the day you apply for your loan to the moment you're holding the keys to your new home. 

Johnson City/Kingsport-Vic Feathers 423-610-3020

Johnson City/Kingsport-Xenia Brown 423-610-3088

Elizabethton-David Oiler 423-547-2062

Bristol-Kathy Fields 423-989-4426

Knoxville-Sonya Ford 865-824-5735

LaFollette-Loretta Cordell 865-824-5727

Lenoir City-John Evans 865-824-5744

Federal Housing Administration(FHA) Loans

  • Limited money required for a down payment

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

Tennessee Housing Development Agency(THDA) Loans

  • Loan option targeted towards first-time home buyers
  • Visit the THDA website for more information 
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

662696 Darnell, Rebecca 

493906 Feathers, Victor 

723275 Feuchtenberger, Mark 

493907 Fields, Kathy 

723272 Hoover, Bradley 

723273 Jessee, Kevin 

662699 Mckinney, Janie 

493905 Oiler, David 

610799 Buckley, Keela

623080 Cordell, Loretta

649357 Evans, John

854842 Markham, Lance

649337 Ray, Patricia

1649015 Brown, Xenia

610458 Kopman, Steve

493908 Ford, Sonya

1409106 Tittle, Brooke

Link here to the NMLS consumer access website.

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

direction of HUD/FHA or the Federal government.