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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

FHA Loans

Insured by the Federal Housing Administration, an FHA loan is often an affordable choice for first-time homebuyers.

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FHA loans are a smart choice for first-time buyers because they typically have lower interest rates and lower down payment requirements than a conventional mortgage.
  • Low down payment
  • Low interest rates
  • Amortization periods of 30, 20 and 15 years
  • 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