Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK


At First Citizens National Bank, we love our community and that’s why we are so passionate about mortgage lending. Helping our customers finance a new home is one of the most gratifying things our experienced, local lenders do. Whether you are purchasing a new property, refinancing or buying a vacation home or investment property, we have a financing plan that will meet your needs.


Loan Options

  • Conventional Mortgages – A traditional financing option with fixed and variable rates
  • FHA Loans – A government-insured loan featuring lower down payments
  • VA Loans – A special program for active military, veterans and spouses
  • Jumbo Mortgages – Larger mortgage loans for high-value properties
  • Reverse Mortgages – Alternative home equity option for older adults
  • THDA Loans – A grant program for home buyers in Tennessee
  • Rural Development Loans – Home ownership opportunities for low- to medium-income families in rural America


Mortgage Resources

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