Your Dream Home Starts With the Right Mortgage Team.
Citizens Financial Services helps homebuyers and homeowners across Georgia navigate the mortgage process with confidence. Whether you're purchasing your first home or refinancing for a better rate, our team is here to make the process smooth, straightforward, and stress-free.
ABOUT US
Experienced. Knowledgeable. Trusted.
At Citizens Financial Services, we believe every homebuyer deserves a mortgage professional who takes the time to truly understand their situation — and works tirelessly to find the right solution. Led by Michael Watson, our team is committed to delivering a fast, transparent, and personalized experience from your very first call to the day you close.
We work with first-time buyers, move-up buyers, investors, and homeowners looking to refinance. No matter where you are in the process, we are ready to guide you with honesty, clarity, and a genuine commitment to getting you the best possible outcome.
WHY CHOOSE US
What You Can Expect Working With Our Team
Fast Approvals Our streamlined application and review process is designed to move quickly so you can get into your new home sooner. We eliminate unnecessary delays and keep everything on track from day one.
Clear Communication You will always know where things stand. We respond to calls and emails promptly and keep you informed at every step — no guessing, no radio silence, no surprises.
Competitive Rates We work with multiple sources to find you the most competitive rate available for your unique financial profile. Our goal is to save you as much money as possible over the life of your mortgage.
On-Time Closings Closing on time matters — to you, your agent, and the seller. Our team stays on top of every deadline and works closely with all parties to make sure your closing happens exactly when it's supposed to.
Don't worry, we can help!
What We Offer
A Mortgage Program for Every Situation
Conventional
Ideal for buyers with strong credit and stable income history. Flexible terms and competitive rates make conventional programs one of our most popular options.
FHA
With down payment options as low as 3.5% and flexible credit requirements, FHA programs open the door to homeownership for buyers at all stages of their financial journey.
VA
Serving those who served our country. VA programs offer eligible veterans and active-duty service members the opportunity to purchase a home with no down payment and no private mortgage insurance.
USDA
Eligible rural and suburban buyers can take advantage of USDA programs offering no down payment and reduced insurance costs.
Jumbo
For high-value properties that exceed conventional limits, our jumbo mortgage programs provide the right solution with competitive terms and a smooth process.
Down Payment Assistance
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Non-QM & Bank Statement
Self-employed or have a non-traditional income history? Our non-QM and bank statement programs are designed for borrowers who don't fit the standard qualification mold.
Refinance
Lower your rate, reduce your monthly payment, shorten your term, or access your home's equity. Our team will help you determine the best strategy for your situation.
Ready to Get Started?
Let's Connect.
At Citizens Financial Services, we believe every homebuyer deserves a mortgage professional who takes the time to truly understand their situation — and works tirelessly to find the right solution. Led by Michael Watson, our team is committed to delivering a fast, transparent, and personalized experience from your very first call to the day you close.
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