Community Mortgage Lending

We're working to make buying a home affordable for everyone

First Citizens is proud to offer a full range of community mortgage lending opportunities - all designed to help make home ownership more affordable. These mortgage loans offer flexible credit guidelines and reasonable down payment requirements.

Some of our loan programs include:

• DreaMaker

• Virginia Housing Development Authority and NC Housing Finance Mortgage Revenue Bond

Each loan program is different, but they all share a common goal: to help make it easier for you to buy the home you really want.

Community mortgage lending fits your budget

We offer both fixed- and adjustable-rate community mortgages.

With a fixed-rate mortgage, there are no surprises: you can easily manage your budget because your principal and interest payments remain the same for the life of the loan.

With an adjustable-rate mortgage (ARM), your rate fluctuates with the economy. The rates are always competitive and have ceilings to protect you from large fluctuations.

The eligibility for community mortgage lending is indexed to median county income. Therefore, it may be significantly easier to qualify for a Community Lending Mortgage than a conventional home loan.

If you ever have questions about your mortgage, we're here to help. You can turn to First Citizens and quickly get the answers you need.

Features & Benefits

• Flexible credit guidelines make it easier to qualify for your mortgage loan.

• Multiple program options help you match your payment to your budget.

• Flexible down payment requirements make your home purchase more affordable.