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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

First Time Homebuyer Programs

Home ownership is a dream for many people. At First Citizens National Bank, we love helping first-time homebuyers finance their homes – and we offer several programs to help make it happen.

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Through partnerships with state and federal agencies, we offer the following programs for qualified first-time homebuyers:
  • Assistance available for down payment and closing costs
  • Designed for low and moderate-income homebuyers
  • Affordable monthly payments
  • Lower fixed interest rates for 30-year terms
  • Subject to the availability of state funds
  • May be used for primary residence only

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