Home Ownership

Information and tools to help you find your way home

Rent or Buy?

Deciding whether to rent or buy takes into account factors such as how fast prices rise, down payments and how long you plan to stay in the home.

Should you buy or rent your next home?

Should you buy or rent your next home?

Use the calculator
When to buy, when to rent

When to buy, when to rent

Read the article

The Financing of Buying or Refinancing a Home

Learn how small changes can make a big difference in your finances when buying, selling or refinancing a home.

Calculate how much house you can afford

Calculate how much house you can afford

Use the calculator
Analyze an adjustable rate mortgage

Analyze an adjustable rate mortgage

Use the calculator
How much will you make from your home sale?

How much will you make from your home sale?

Use the calculator
Compare two mortgage loans

Compare two mortgage loans

Use the calculator
Refinancing Calculator

Refinancing Calculator

Use the calculator
Determine a monthly mortgage payment

Determine a monthly mortgage payment

Use the calculator

Mortgage Rates & Process

There is a lot to consider when buying a home. Having a general understanding of the process may help you feel more prepared, more at ease. First Citizens Mortgage Bankers are always available to answer your questions and guide you through each step.

Check Current Mortgage Rates

Check Current Mortgage Rates

See Rates
Understanding the Mortgage Process

Understanding the Mortgage Process

Mortgage Application Checklist

Mortgage Application Checklist