Make the Home of Your Dreams a Reality
Whether you're looking for a starter home to start your independent life, are looking to upgrade or downsize your current space, or have found the home of your dreams and need the financing to make it happen, The Citizens Bank is here for you. Contact our loan department today and discuss all of our mortgage loan options to find out what works best for your situation and your needs. Contact us today or visit your local office to learn more.
Contact Us Locations
Our Home Loan Programs
| Loan Type | What This Loan Is | Best Suited For |
|---|---|---|
| Fixed‑Rate Mortgages | A fixed‑rate mortgage features an interest rate that stays the same for the life of the loan. Monthly principal and interest payments remain consistent. | Borrowers who plan to stay in their home long‑term. |
| Adjustable‑Rate Mortgages (ARMs) | An adjustable‑rate mortgage starts with a fixed interest rate for an initial period, then adjusts periodically based on market conditions. Payments may increase or decrease over time. | Borrowers who expect to move, refinance, or pay off the loan before the adjustable period begins. |
| FHA Loans | FHA loans are government‑insured mortgages designed to make homeownership more accessible. | First‑time homebuyers or borrowers who need more flexible qualification guidelines. |
| VA Loans | VA loans are backed by the U.S. Department of Veterans Affairs and offer eligible borrowers competitive rates with no required down payment or private mortgage insurance. | Eligible veterans, active‑duty service members, and qualifying surviving spouses. |
| USDA Loans | USDA loans are government‑backed mortgages designed to support home purchases in eligible rural and suburban areas. | Borrowers purchasing homes in qualifying rural areas. |
Loan Applications and Instructions
Ready to Get Started?
If you're ready to start the loan process, we encourage you to check out our mortgage loan qualification calculator below to get an estimate of how much loan you can comfortably take on. Once you've completed that step, download our mortgage checklist to help you organize the documents you'll need and prepare you for the loan application process. You can apply online today with Debra Gwaltney of our Fairhope Branch, or Will McKinney for loans in Enterprise, Andalusia, or Birmingham. Please print out one of the applications above and bring the filled-out version with you to your appointment.