FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Making home loans. And home towns.
Couple on a couch in their new home

MORTGAGE LENDING

WHETHER YOU WANT TO SEE STARS FROM YOUR NEW PORCH, CITY LIGHTS THROUGH YOUR WINDOW OR A WAY TO REFINANCE OR USE YOUR EQUITY, IT HELPS TO HAVE A LOCAL MORTGAGE ORIGINATOR YOU CAN TURN TO.

APPLY NOW PREQUALIFY NOW

FIND YOUR LOCAL LENDER

CALCULATE YOUR PAYMENT

Family being playful

Homeowners Make Communities. Citizens Makes A Way.

As a community bank, we know that homeowners are the real community makers. So we feel there’s no more important work than making their dreams, blueprints and plans real. At The Citizens Bank, you can sit down with a local mortgage loan originator, explore a number of mortgage loan options to find the most competitive interest rate, terms and payment plan that’s in your neighborhood. Instead of an 800 number, you call a local number to talk to an expert you can call on through the life of your loan.

Get Started Today

Click APPLY NOW to access our secure mortgage loan portal to apply, get prequalified, or contact a local The Citizens Bank mortgage originator today who can assist you throughout your entire home buying journey!

Tom Graham
NMLS# 60699
12008 Highway 49
Gulfport, MS 39503
Call: 228-831-3535
Email: thomas.graham@thecitizensbank.bank

Charlene Deweese
NMLS# 612768
515 W Main St
Philadelphia, MS 39350
Call: 601-656-7003
Email: charlene.deweese@thecitizensbank.bank

Tammy Warren
NMLS# 546649
1830 Popps Ferry Rd
Biloxi, MS 39532
Call: 228-594-6913
Email: tammy.warren@thecitizensbank.bank

Dannika Dewhurst
NMLS# 2364735
6222 Hwy 98
Hattiesburg, MS 39402
Call: 601-264-4425
Email: dannika.dewhurst@thecitizensbank.bank

Mortgage Loan Types

USDA Rural Development Guaranteed Loan – 100% Financing

A fixed-rate home mortgage program that does not require a down payment if you are purchasing in an eligible rural area.

Conventional Mortgages

Conventional Mortgages are fixed-rate loans. A minimum 5% down payment is required.

Federal Housing Authority (FHA) Mortgages

Insured by the Federal Housing Authority, FHA loan interest rates are also fixed. A 3.5% down payment is required.

Veterans Administration (VA) Mortgages

These fixed-rate loans are available to veterans of the U.S. Military and their survivors.

Home Equity Loans

Put the equity in your home to work to get the money you need. These home loans are perfect for debt consolidation or any time you need a specific amount of money in one lump sum.

Home Equity Line of Credit

Get cash for home improvements, college tuition or whatever other needs you may have with this pre-established line of credit. A Home Equity Line of Credit will make borrowing money as easy as writing a check.

Escrows may be required on all of these loans. Other terms and conditions may apply.

YOUR LOCAL HOME LOAN EXPERT IS A CALL AWAY

At The Citizens Bank, our local mortgage originators are ready to guide you through the homebuying process. Charlene Deweese tells you how.

BACK TO THE CITIZENS BANK X

The Citizens Bank

Third Party Site Disclaimer

By accessing the noted link you will be leaving The Citizens Bank's website and entering a website hosted by another party. The Citizens Bank has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of The Citizens Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Citizens Bank.

DECLINE ACCEPT