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Name
Penny Fagan
Company
Citizens Bank & Trust
E-mail
Contact Citizens Bank & Trust
Website
http://www.citizensbanktrust.com
Office Phone
(256) 931-4622 x 20
Cell Phone
(256) 466-5626
Fax
(256) 586-2054
Address
20 S Main Street, Arab, AL, 35016
Description
Over 20 years lending in North Alabama! I am "Your Local Loan Arranger" FHA approved broker, VA loan specialist, Conventional, Commercial, Construction and 2nd mortgage options

About Us:

  • I came to Citizens Bank & Trust in January and it is the best move I have ever made.  Citizens Bank & Trust cares about their customers.,
  • Penny has originated mortgage loans in North Alabama for over 20 years. 
  • Penny does FHA loans and is a VA Loan Specialist.  
  • Penny also handles conventional loans as well as construction loans and small commercial loans. 
  • Citizens Bank & Trust is involved with the Alabama Bankers Association and National Association of Independent Housing Professionals.   
  • Penny treats her customers like family.  Referrals from my church and past customers make up a very large portion of my business.

Areas of Expertise

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!  

Testimonials

  • Board member of National Association of Independent Housing Professionals
  • 2009/2010 Secretary of National Association of Mortgage Brokers (NAMB)
  • 2009/2010 Communication Committee Chair for NAMB
  • 2006/2009 Director on the Board of NAMB
  • LENDING INTEGRITY SEAL OF APPROVAL BROKER by NAMB
  • Certified Residential Mortgage Specialist certification earned (CRMS)
  • 2006 Immediate Past President Alabama Mortgage Professionals fka AMBA
  • 2005 President AMBA
  • 2004 President Elect AMBA
  • 2003 Vice President AMBA
  • 2002 Director on the Board of AMBA