Residential Lending

Whether you’re purchasing a home, wanting to refinance an existing mortgage, or looking to build your perfect house – Citizens Bank & Trust can help you find a mortgage to fit your unique situation.

We offer numerous home financing options, including conventional loans, VA, FHA and USDA programs, along with portfolio and jumbo loans. In addition, we provide construction/permanent mortgages, as well as home renovation financing. Residential mortgage programs may include credit options for first-time home owners and buyers or owners of manufactured homes.

In most cases, we can provide you with a pre-qualification within 24 hours. So what are you waiting for? Contact one of our Residential Lending Officers today to find out more. We welcome the opportunity to assist you in finding the right residential mortgage to fit your home plans.

Fixed-Rate Mortgage

A fixed-rate home mortgage loan allows you to keep the same interest rate for the life of your loan based on the rate at the time of financing. You can also choose from a wide variety of repayment terms.

Adjustable-Rate Mortgage

A mortgage with an interest rate and payment that changes periodically over the life of the loan based on changes in a specified index. The index acts as a collective measure of interest rates in the market place and can often cause fluctuation in your mortgage repayment.

Construction Perm Loan

Do you have the perfect location chosen to build your future home? Then a fixed-rate mortgage or adjustable-rate mortgage might be the perfect way to go. The construction perm loan finances both the land and construction in one loan through the construction process, then once the construction is complete the loan converts into your chosen mortgage loan product.


Interest rates change as times go on. Refinancing your current mortgage to obtain a lower interest rate or to tap into the equity of your home is often a great way to take advantage of lowered interest rates.

Jumbo Loans

Mortgage loans over $424,100.00 qualify for this option. Terms and underwriting requirements may vary from conforming loans.

Government Loans

Low Down Payment Government Financing/VA/USDA/ Conventional Loans.

Lot Loans

Congratulations on finding the perfect location to build your future home. Whether your plan is to build now or invest in your dream property for use at a later date, a lot loan is the perfect way to secure that parcel of land.

Rehab Loans

Not ready to move, but feel like your current home could use a little work? Loans for repairs on your existing home are a great way to mix the old with the new.

Home Equity Line of Credit

Make your home work for you with a Home Equity Loan or Home Equity Line of Credit (HELOC). We offer competitive rates and up to 90% financing.

At Citizens Bank & Trust, we understand the loan application process can be intimidating. Our friendly loan officers make the process as smooth as possible and are here to lend a hand. We invite you to visit any of our offices to learn more about this loan option.

Equal Opportunity Lender – Loans Subject to Credit and Underwriting approvals. Other requirements or restrictions may apply. See Lender for details.

Residential Lending Team


SVP & Chief Residential Lending Officer
NMLS #551963

Greater Winter Haven/Auburndale


Residential Lending Officer
NMLS #561149

Frostproof/Haines City/Lake Wales


Residential Lending Officer
NMLS #595656



Residential Lending Officer
NMLS #1314385

Greater Lakeland/Dade City/Plant City/Valrico


VP, Residential Lending Officer
NMLS #552615

Greater Lakeland/Valrico/Dade City/Plant City

Please do not send confidential information when emailing Citizens Bank & Trust staff.

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.