Bob Zacher, Loan Originator with First Citizens National Bank, is known for his approachable personality, deep industry knowledge, and commitment to building lasting relationships. With 20 years in the mortgage business—following a long career with The Ditch Witch company—Bob takes pride in his old-school, personal approach, ensuring clients feel informed and cared for rather than just processed through transactions. At First Citizens, he embodies the bank’s “close to home” culture, where customers are greeted by name and treated like family. Highly respected by real estate professionals, Bob’s dedication extends beyond work, as he remains active in the community, enjoys camping with his wife Sherry and their grandchildren, playing golf, and cheering on college sports. For Bob, trust and relationships are at the heart of everything he does.