Home Insights

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What You Need to Qualify and Apply for a Mortgage

This application checklist will show you how to qualify for a mortgage and get you to closing faster.

With a little organization, the mortgage application paperwork isn't nearly as daunting as it seems.

War, Inflation and Interest Rates: Things You Can Do for Your Finances

You can take steps to protect your finances when the news is bad.

History makes it clear that the market turbulence of early 2022 is not a rare thing. Neither is a subsequent recovery.

Common Mortgage Contingencies

These homebuying contingencies can affect your offer to buy a home.

In a competitive market, buyers may choose to waive certain contingencies to make their offer more attractive to a seller.

Buying a Home? Your First Citizens Mortgage Banker is Here to Help

Our mortgage bankers are here to help take care of the details, big and small. Watch this video to learn how.

How an Umbrella Policy Can Offer Extra Protection

Assets tend to naturally increase as your career progresses. Here's how to protect your way of life.

You might find that an umbrella policy helps to ensure you have enough protection for your family and your assets.

Choosing the Right Time to Buy a House

If you're trying to decide whether it's a good time to buy a house, consider these factors.

When buying a home, weigh all the factors and determine how your costs could change in different scenarios.

A Mortgage Loan Officer Can Provide Confidence in Tight Markets

Get a market edge over other buyers by starting your journey home with a mortgage loan officer.

Meeting with a mortgage loan officer is the start a relationship that can shape your entire homebuying experience.

Is Now a Smart Time to Buy?

Market conditions since the pandemic are favorable—but there's more to consider.

Now may be a good time to make a major purchase, but in the end, only you can decide if the time is right for you.

8 Actionable Steps to Help You Save on Home Insurance

Save on home insurance by making your home safer and asking your agent about policy discounts.

A safer home is less of an insurance risk, which can result in lower premiums.

What You Need to Know About Buying a Fixer-Upper

Buying a fixer-upper is a big decision, so know what you're in for before you commit.

With fixer-uppers, you don't know what you don't know—and neither do your contractors.

The Ins and Outs of a Mortgage Rate Check-Up

A rate check-up can help you see if there are mortgage opportunities that are a better fit for you.

A mortgage rate check-up is the process of researching what types of mortgage loans exist in the market today.

What Impacts Your Homeowners Insurance Premiums

Your home's condition and location, your financial history and your policy affect your premiums.

Know which factors can affect your homeowners insurance premiums so you can make the best choices for your home and budget.

Using Home Equity in a Crisis

Get to know your options for using home equity so you can make the right decision for you.

The most important factor in deciding whether to use home equity is your ability to pay back the loan or credit installments.

Pay Off Your Mortgage Faster

Do the math before you decide if an early pay-off is right for you.

Paying off your mortgage early could have its benefits.

Should You Pay Off Student Loans or Buy a House?

You might not have to choose between the two.

Student debt doesn't have to be a barrier to home ownership.

Proceeds from Sale of Home

Find out how much money your home sale will yield!

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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