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  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)




Rates                                                                                                      Documentation

Competitive Fixed Rates                                                                         In most cases, all that is needed to get started is a
Adjustable Rates Available                                                                     "Uniform Standard Residential Application", your last
Mortgage Loan Calculator                                                                       three years tax returns, and your most recent pay stubs

Closing Cost                                                                                          Escrow

Citizens 1st Bank strives to keep closing costs low and                         An escrow account may be established for the payment
competitive with most other banks. Our experienced mortgage             of taxes, and hazard insurance.
loan officers will be happy to compare our closing costs
with other estimates.                                                                               

*See the bank for rates, options, terms and conditions for each type of loan. Additional documentation/verification may be required.






Automobile graphic

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.

At Citizens 1st Bank, we offer:

   - Auto Loans (new & used)
   - Boat Loans
   - RV Loans
   - Tractor Loans
   - Other Consumer Loans







Mortgage Loan Originators

            Tyler

               Tamara Bourque - MLO #939287

               Jamie Boyd - MLO #684621

               Kim Crawley - MLO #939282

               Kevin Garrison - MLO #684612

               Randall Grooms - MLO #684613

               James Perkins - MLO #684616

               Julie Smith - MLO #1252089

               James Wood - MLO #684620

               Liliana Sisson - MLO #1406757

               Bobby Garmon - MLO #1641910

               Silvia Trejo - MLO #384753

               Correen Marsh - MLO #1446392

           Rusk

               Amanda Gray - MLO # 939285
               Charles Hassell - MLO # 684615
               Pat Richey - MLO # 1366250

           Nacogdoches

               Murphey Gayler - MLO # 1010285
               Chris Sidnell - MLO # 684618
               Kim Luna - MLO # 684619

           Jacksonville

               Bruce Mehlenbacher - MLO # 820847





Download NMLS MLO List

Citizens 1st Bank NMLS ID #869663







                                                                                                                                                Equal Housing Lender