First Citizens National Bank Mortgage Lending Division

  • Finance/Mortgage Companies
One First Citizens Place
200 W. Court Street
Dyersburg, TN 38024
731-287-4359
800-321-3176
731-287-4423 (fax)
Hours:
The Mortgage Staff is available for your convenience from 8:00 AM until 5:00 PM Monday - Friday

About Us

First Citizens National Bank has remained Strong during these economically challenging times. Our flexible loan programs and professional staff take the anxiety out of home buying!

Types of loans read more
  • About

    First Citizens National Bank has remained Strong during these economically challenging times. Our flexible loan programs and professional staff take the anxiety out of home buying!

    Types of loans available include FHA, VA, THDA, Rural Development, Conventional, Jumbo and Reverse Mortgages

    Single Family, Multi-family, Vacation Homes, Condominiums and Town Houses are some of the properties that may be financed

    Fixed, Adjustable Rate and Interest-Only loans are available

    Variety of loan terms available

    Underwriting approvals completed in-house

    Rates and terms are competitive

    100% loans available for Rural Development Clients

    Below market interest rates are offered to low-to-moderate income clients through our partnerships with THDA (Tenn. Housing Development Agency) and RD (USDA Rural Development)

    Competitive rates are offered for the construction of principal residential loans

    Reverse Mortgages are offered to our Senior Citizens to strengthen their personal and financial independence

  • Highlights

    • Ronda Heathcott, Senior Vice President & Manager, with 28 years experience
    • Sonya Burks, Vice President with 27 years experience
    • Experienced, Trustworthy, Reliable, Dependable
    • LET OUR EXPERIENCED MORTGAGE TEAM WORK FOR YOU!
    • Tammy Ladd, Originator with 10 years experience
  • Media

  • Whom to Contact

    • Ronda Heathcott
  • Directions

    Located on the main floor of the Main Office on the Historic Square in downtown Dyersburg