Mortgages
Citizens 1st Bank excels in working one on one with our clients, making the purchase of your home a hassle-free experience
Loan Types
- Purchase or Refinance
- Construction Loans
- Construction-Permanent Loans
- Home Improvement
- Home Equity Loans
- Rural Home Loans
- Bridge Loans (purchases)
- Personal Loan Calculator
Documentation
In most cases, all that is needed to get started is a "Uniform Standard Residential Application", your last three years tax returns, and your most recent pay stubs
Escrow
An escrow account may be established for the payment of taxes, and hazard insurance
*Contact nearest branch for details
Rates
- Competitive Fixed Rates
- Adjustable Rates Available
- Mortgage Calculator
Closing Costs
Citizens 1st Bank strives to keep closing costs low and competitive with most other banks. Our experienced mortgage loan officers will be happy to compare our closing costs with other estimates
Consumer Loans
At Citizens 1st Bank, we are committed to lending money
to the markets we serve in order to meet the borrowing
needs of those markets. We welcome the opportunity
to discuss and assist you with your financial goals.
- Auto Loans (new & used)
- Boat Loans
- RV Loans
- Tractor Loans
- Other Consumer Loans
Mortgage Loan Originators
Tyler
Arica Hanes - MLO #1817539Bobby Garmon - MLO #1641910
Correen Marsh - MLO #1446392
James Perkins - MLO #684616
James Wood - MLO #684620
Kevin Garrison - MLO #684612
Kim Crawley - MLO #939282
Randall Grooms - MLO #684613
Samantha Marika Reed - MLO #2129961
Silvia Trejo - MLO #1658482
Tamara Bourque - MLO #939287
Thomas Brent Taylor - MLO #2098740
Rusk
Amanda Gray - MLO # 939285Charles Hassell - MLO # 684615
Megan Elliott - MLO # 2419148
Nacogdoches
Chris Sidnell - MLO # 684618Kim Luna - MLO # 684619
Murphey Gayler - MLO # 1010285
Ruben Carmona - MLO # 715297
Teresa Solis - MLO # 1771449
Download NMLS MLO List
Citizens 1st Bank NMLS ID#657618
