Mortgages

It is a big step when you make that decision to buy a home or refinance a mortgage. You can trust us to find the loan program that best fits your individual needs and circumstances. Our Mortgage Professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you are making a commitment. We want to help you qualify, apply and be approved for the right loan for you!

Citizens Bank & Trust Processing Center

20 S Main Street, Arab, AL 35016 | 256-931-4622

Penny Fagan - Vice President - MLO ID# 192086 Office: 256-931-4622 ext 1

Angie Thomas - Sr Loan Processor - MLO ID# 419941 Office: 256-931-4622 ext 2

Cindy Collins - Mortgage Compliance Office: 256-931-4622 ext 4


Albertville - 256-878-9893

Anna Knott - MLO ID# 206057 Mobile: 256-558-0656

Brandy Lemaster - MLO ID# 191833 Mobile: 256-506-0875

Arab - 256-931-4600

Monty Davis - MLO ID# 419958 Mobile: 256-558-0092

Athens

Debbie Whorton - MLO ID# 198189 Mobile: 256-797-7698

Decatur

Debbie Whorton - MLO ID# 198189 Mobile: 256-797-7698

Guntersville - 256-264-0361

Anna Knott - MLO ID# 206057 Mobile: 256-558-0656

Hazel Green

Debbie Whorton - MLO ID# 198189 Mobile: 256-797-7698

New Hope

Brandy Lemaster - MLO ID# 191833 Mobile: 256-506-0875

Oneonta - 205-625-4710

Anna Knott - MLO ID# 206057 Mobile: 256-558-0656

Debbie Whorton - MLO ID# 198189 Mobile: 256-797-7698

Rogersville

Debbie Whorton - MLO ID# 198189 Mobile: 256-797-7698



Refinancing a mortgage

This is a decision many rush into without considering all the options. Let our Mortgage Professionals review your individual reasons for refinancing, which could be debt consolidation, lowering your interest rate, lowering or increasing your loan term, all of these items will affect what refinancing decisions should be made. Let us guide you to the very best decision or refinancing terms. You can even pull out you Home Equity and it is easy! You've been paying down your mortgage; now let it help you when you need it. Our staff can review your needs and give you solutions. Contact one of our Mortgage Professionals today.

Purchasing a home

That can be a source of anxiety and frustration but it can also be very rewarding and a great accomplishment. You choose the house that is right for you, and let our professionals find the mortgage loan that best fits your needs. We strive to have less paperwork and more personal attention and service with every application. Let us help you achieve The American Dream of home ownership!