Veterans Administration (VA) Home Loans

We proudly offer VA loans to military borrowers including active-duty personnel, veterans, reservists, National Guard members, and their surviving spouses.  Contact us today to learn how you can take advantage of this program and let us help you, our heroes, become homeowners.

  • No Down Payment required on eligible loans
  • No private mortgage insurance (PMI)
  • Competitive rates typically below conventional loans
  • Use for an owner-occupied, primary residence
  • Flexible credit qualifications
  • Ability to finance the VA funding fee
  • Jumbo financing to $1.5 Million (may require down payment)
  • Fixed and adjustable rate options.

You’ve served us and the United States of America, now let us serve YOU!

Contact us today for a free consultation and loan prequalification.

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
sbagwell@fcbl.com – Email