At First Citizens Bank, we consider a home your greatest long term investment. Whether you are buying, building or refinancing, our mortgage department will help you find the right loan solution for you.

Let First Citizens Bank help you realize your financial dream of owning a home by choosing us for your mortgage needs! We have a team of experienced lenders available to make buying or refinancing your home a rewarding experience.

We offer a wide variety of mortgage programs to meet your needs, including:

  • Conventional
  • FHA
  • VA
  • USDA
  • Construction-To-Permanent Loans
  • Home Improvement
  • Home Equity Line of Credit
  • Mortgage Refinancing
  • Purchase Loan
Contact us today for a consultation.

Samantha Bagwell - First Citizens Bank Mortgage Lender
Samantha Petrey Bagwell
VP of Mortgage Lending
NMLS # 1472965
First Citizens Bank
P.O. Drawer 271
Luverne, AL 36049
334-335-3346 – O
334-335-5810 – Fax – Email

Mortgage Calculator








Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*This figure is an estimate, not a quote. It is based on the information provided, and may be inappropriate if additional information is forthcoming, or specifications change. It does not include finance charges and other fees that may apply.

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