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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Conventional Mortgages

A traditional loan with both variable and fixed rate options, a conventional mortgage is the preferred financing choice for many homebuyers.

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First Citizens National Bank offers conventional loans with a variety of terms and competitive interest rates.
  • Competitive rates
  • Steady payments throughout the life of the loan
  • Underwriting approvals completed in-house
  • Amortization periods of 30, 20 and 15 years
  • Extended locks available
  • May require mortgage insurance (PMI) if loan amount is more than 80 percent of the home’s value
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

I like that First Citizens is locally owned. It has that small-town atmosphere about it.

– First Citizens National Bank customer