Buying a home is the biggest financial decision most people ever make. Whether you are purchasing your first home or wanting to refinance your current home, having the right financing options is essential. We at Citizens Bank would appreciate the opportunity to talk with you about your mortgage needs.


We offer the following mortgage plans:

  • Full range of financing options
  • Fixed rate mortgages with various terms
  • 100% financing still available
  • “No PMI required” options available
  • All property types owner occupied, second homes, or investment properties
  • Construction conversions
  • Home improvement loans

You will need to prepare and(or) gather the following documentation when applying for a fixed rate mortgage:

  • Pay stubs for the last 30 days
  • Most recent W-2
  • Full asset statements
  • Full tax returns for self-employed borrowers

If you are interested in receiving more information regarding our mortgages, please call our Sandersville / Milledgeville mortgage department at (478) 552-5116 or our Statesboro mortgage department at (912) 764-5892.