Mortgage Loans

We offer mortgage loans to meet your needs:

Knowledge, Products, and Service you can count on. Call us or complete a Loan Request Form.

  • FHA
  • VA
  • Conventional (Fixed & Adjustable Rates)
  • Refinancing
  • Down payment assistance
  • Construction loans
  • Investment loans

For your entire Home Buying needs, you may contact:


Joan Fleming, Residential Mortgage Manager, Vice President

NMLS #187638

Office (855) 788-4465 ext. 207, Mobile (615) 596-6793, Fax (615) 329-4843

There is a relatively small segment of leaders in the business world. Individuals who seem able to build relationships, trust, and rapport with almost anyone, and then have the ability to translate their financial needs into plausible solutions. Joan Fleming-Ridley is one of those rare people, developing solutions in a challenging industry and producing results through her expertise, commitment, and relationships as a senior manager in the mortgage industry. With an enthusiastic and genuinely friendly attitude, Fleming radiates a sincere passion for delivering value and benefits to her customers. A native of Dayton, Ohio, Fleming’s professional career began in 1995, when she joined SunTrust Bank in Nashville, Tennessee. In 1999, she joined GMAC Mortgage Corporation as a Government Specialist in Mortgage Loan Origination, where she was the top producer for six (6) out of seven (7) years before starting her own mortgage company (Creative Vision Mortgage) in 2006. Fleming attended Tennessee State University. In August 2010, Fleming joined Citizens Savings Bank & Trust Co. to rebuild and lead the bank’s residential mortgage division, and is responsible for all mortgage operations including origination, processing, underwriting, and the administrative function. Fleming is also responsible for leading the bank’s initiative on homebuyer and mortgage loan education. Fleming is an active member of the Mortgage Bankers Association, Habitat for Humanity Committee Member, ABA Mortgage Markets Committee Member, and TNAMP Professional Member. Fleming fulfills one of her passions of educating the community on mortgage competency through affiliations with organizations such as Residential Resources where she also serves as a Board member.