Penny Fagan, It's the way banking once was, and now, is again. (Citizens Bank & Trust) Mortgage and Lending



Penny Fagan
It's the way banking once was, and now, is again.
location_on Guntersville, AL — Citizens Bank & Trust
NMLS #192086
Get to Know Penny Fagan

I came to Citizens Bank & Trust in 2010 and have come to discover this bank really does care about its customers.  We do FHA loans and VA loans.  We also handle Conventional loans and USDA RD (100% rural) home loans. I treat my customers like family.  Referrals from church and past customers make up a very large portion of my business.


FHA loans for first time homebuyers as well as refinancing are my most popular loan products this month.  VA is always a top loan of choice, being a ARMY brat, it makes me so proud to provide our Service men and women with quality loan products and service,.  Thank you VETERANS!!!!

I am local, I love being a part of a great Bank and lending in North Alabama!  


Over 25 years lending experience. I am "Your Local Loan Arranger" FHA loans, VA loan specialist, Conventional and USDA RD (100%) mortgage options.