Applying online is as easy as 1-2-3.
You can apply now in as little as 20 minutes.

1. Apply Now and complete the application.
2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
3. A Citizens Bank & Trust Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 256-505-4600.

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Government Loans

• Looking for a no down payment VA loan or a low down payment FHA loan?
  You've come to the right place!.

Mortgage Calculators

• How much would my monthly payment be?
• Can I save money by refinancing now?
• How quickly can I pay off my mortgage by making additional payments?
• Does it make sense to pay points to get a lower interest rate?
• Should I buy a home or continue to rent?
• Should I consider consolidating my debt with a cash out refinance?
• How much can I save with a 15 year mortgage?
• Should I consider consolidating my debt with a home equity loan?