Mortgages
Whether you're a first time homebuyer or refinancing your existing home, we have a custom tailored plan to meet your unique needs.
Visit Citizens Bank & Trust's Mortgage Center for more information.
- Summary
We understand that choosing to purchase or refinance a home is a decision not taken lightly. Our mortgage professionals take the stress off of you by offering personalized guidance to fit your unique circumstances. We also provide a number of resources to learn more about the right option for you:
PDF Downloads:
- ARM Loan Booklet
- HUD Settlement Booklet
- Registered Mortgage Originators & Processors
- Settlement Cost Booklet
- Settlement Cost Booklet - Spanish
- Home Equity Booklet
- Beware of Foreclosure Rescue and Loan Modification Scams
Helpful Links:
- Contact Information
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
Arab - 256-931-4600
Monty Davis - MLO ID# 419958
Mobile: 256-558-0092
Athens/Decatur
Penny Fagan - MLO ID# 192086
Mobile: 256-466-5626
Rogersville - 256-247-0203
Penny Fagan - MLO ID# 192086
Mobile: 256-466-5626
Guntersville - 256-264-0361
Anna Knott - MLO ID# 206057
Mobile: 256-558-0656
Hazel Green - 256-828-1611
Debbie Whorton - MLO ID# 198189
Mobile: 256-797-7698
New Hope - 256-723-4600
Debbie Whorton - MLO ID# 198189
Mobile: 256-797-7698
Oneonta - 205-625-4710
Anna Knott - MLO ID# 206057
Mobile: 256-558-0656
