Mortgage Loans

We offer mortgage loans to meet your needs:

Knowledge, Products & Service you can count on. Call us, or complete our 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 professional career began in 1995, when she joined SunTrust Bank in Nashville, Tennessee. In 1999 she joined GMAC Mortgage Corporation as a Government Specialists in Mortgage Loan Origination, was the top producer for the next 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 originations, processing, underwriting and the administrative function. Fleming is also responsible for leading the bank’s initiative on home buyer 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.


Eric Walker, Residential Mortgage Loan Officer

NMLS #372483

Office (855) 788-4465 ext. 214, Mobile (615) 207-1886, Fax (615) 329-4843

Mr. Eric B. Walker, a native Nashvillian, is a graduate of Tennessee State University in Nashville, Tennessee, where he earned a Bachelor of Business Administration degree.  He has attended the Barrett School of Banking –Commercial Lending Academy.  He began his career in 1990 at The National Bank of Detroit, N.A Detroit, Michigan, in Retail Banking.  He was heavily recruited out of college for their management training program where he went on to hold numerous management positions and was appointed as an officer of the bank.  Mr. Walker relocated to Nashville, Tennessee where he joined First American National Bank and was a Vice President in Retail Banking.  He managed two branch offices in the downtown Nashville area. Mr. Walker served as President of Equity Plus Mortgage Company Nashville, Tennessee for 12 years, which was a premier residential mortgage company.  Mr. Walker owned and operated The Walker Group a property Management Company that managed over 250 residential properties and owned over 50 properties. Eric B. Walker currently serves as a Residential Mortgage Loan Officer at Citizens Bank.   His Twenty-Seven years in the financial services industry has involved such areas as business development, commercial lending, residential mortgage lending, consumer lending, retail banking and faith based lending. For four years he served on the board with the Tennessee Association of Mortgage Brokers where he served as President for the State of Tennessee.  He also served as President of the Nashville Urban Bankers Association.  Mr. Walker is a lifetime member of Omega Psi Phi Fraternity, Inc. and has served as Basileus of the Nashville, TN graduate chapter.  Mr. Walker has also served as the Membership Selection Chairman for the 5th District of Omega Psi Phi Fraternity, Inc.  Mr. Walker has served as Chairman of the Gamma Phi Housing Authority Inc., Mr. Walker has been active in several organizations including the National Association of Mortgage Brokers, Junior Achievement Volunteer, Nashville Urban Bankers Association, Real Estate Investors of Nashville, Pencil Foundation, Red Cross and United Way.  Mr. Walker is an active member of Mt. Gilead Missionary Baptist Church Nashville, Tennessee and he is married to Cherita Walker and has a daughter Aerial Walker.

Citizens Savings Bank and Trust Company

NMLS #641298

1917 Heiman Street Nashville, TN 37208

(855) 788-4465 (Toll Free) (615) 327-9787