Fixed-Rate Mortgages

We offer fixed-rate mortgages for homebuyers who want simplicity and stability. With a fixed-rate loan, your principal and interest payment is guaranteed to remain the same throughout the life of the loan. Whether you're buying your first home or your fourth, fixed-rate mortgages from First Citizens offer simplicity and stability.

Features

• Simple application process.

• A selection of repayment schedules. Choose how long you want to take to pay off your loan without feeling limited to the usual 15- or 30-years. Choose to lock in your interest rate 30, 45 or even 60 days before closing, so you can take advantage of the best rates available.

Benefits

• A more flexible loan that allows you to use funds other than your own (such as gifts, grants or even an unsecured loan) for the down payment and closing costs, including prepaid costs.

• No income verification with a stated income loan. An ideal solution for self-employed homebuyers with strong credit ratings.