An important step in getting a home you’ll love is finding the mortgage that’s right for you. Let us help you find a mortgage that makes home ownership simple, straightforward—and affordable. We are committed to making the home-buying process easier. We know that sometimes saving enough money for a down payment can be challenging. Recognizing this challenge we offer a wide array of no to low down payment assistance program solutions as well as mortgage products that are ideal for home buyers with limited funds for closing costs.
YOU DESERVE TO OWN THE HOME OF YOUR DREAMS, and we can help make that dream a reality.
Buy A Home
From a starter home to retirement Explore your mortgage solution options Government Loans – (FHA, VA, USDA and Renovation Loans)
* The loan amount could exceed the value of the dwelling. The interest on the portion of the loan that exceeds the value is not taxed deductible. Consult a tax adviser for more details.
Refinance A Home
Now is the perfect time to consider refinancing your home with competitive rates available. Take advantage of favorable market conditions to potentially lower your monthly payments, shorten your loan term, or access equity for other financial needs.
Discover our 1st-Time Home Buyer Down Payment Assistance Program, designed to help you achieve your dream of homeownership. We offer tailored solutions and guidance to navigate mortgage options and financial assistance, ensuring you make informed decisions aligned with your goals.
Build Wealth through Homeownership - Learn how today
Whether you’re a first-time buyer or looking to refine your knowledge of the home buying process, learn from these self-paced courses, tools, and articles -all designed with your homeownership journey in mind.
Through Your Home Buying Experience We Will:
Assess your needs and recommend the best loan option for you
Provide an overview of the loan process so you will know what to expect
Guide you through the transaction step-by–step
Answer your questions promptly
Close on time
The Impact of Partnership:
Citizens Trust Bank is proud to partner with Federal Home Loan Bank of Atlanta to make homeownership more accessible.
2026 Homeownership Program funding limits are as follows:
First come first served
Down Payment Assistance up to $20,000
Meet Our Mortgage Lending Team
At Citizens Trust Bank, we are deeply committed to promoting community economic growth and stability. Through our Community Involvement Project, we prioritize personalized engagement with both our customers and the community, ensuring mutual benefits and creating a win for everyone. Our dedicated efforts and conscious contributions not only enhance our performance but also strengthen our role as a valued partner in fostering a thriving, resilient community.
Explore financial institutions and advanced banking services in our specialized courses. Learn about banking operations, regulations, and economic roles, along with investment products, loans, and wealth management strategies for effective financial planning and stability by clicking on our list of courses.
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