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Frequently Asked Questions

Mortgage


+How do I choose the right mortgage?
Choosing the right mortgage is just as important as choosing the right house. That's why we offer a variety of products, each with different features and advantages. Plus, our dedicated team of mortgage bankers is here to help you find the right loan for where you are in your life.
+How do I apply for a mortgage?
You can simply submit an application online or call 1.888.FC DIRECT (1.888.323.4732) and we'll start processing your mortgage application today. You can always choose to talk to a mortgage banker near you.
+What information do I need to be able to apply for a mortgage?
You will need to give us financial documentation that allows us to verify your income, assets and debts. You also will need to provide us with any agreements you may have signed, such as a purchase and sales agreement. For a detailed list of required information, please see our Mortgage Application Checklist.
+What are the benefits of a fixed-rate mortgage?
Fixed-rate mortgages offer simplicity and stability. With this type of loan, your principal and interest payments are guaranteed to remain the same for the duration of your loan, regardless of the number of years involved. In addition, a fixed-rate mortgage allows you to use funds other than your own (such as gifts, grants or a secured loan) for the down payment and closing costs, including prepaid costs.
+What are the benefits of an adjustable-rate mortgage?
With an adjustable-rate mortgage (ARM), the lower rates at the beginning of the term usually allow you to keep more cash on hand each month — cash that you can use for savings or other expenses. Plus, First Citizens monitors the mortgage industry to make sure you get the best terms available. Locking in the best rate, early in the process, is the key to making an ARM work for you. Interest rate ceilings and specified adjustment dates over the life of the loan further protect you from fluctuating rates in unpredictable times.
+Does First Citizens have construction loans?
First Citizens offers construction-to-permanent loans that save you time, effort and money with a joint closing for the construction and permanent financing. Because we provide the funds to your builder locally while your home is under construction, your dream home is completed faster and more efficiently.
+Can I make my mortgage payments online from my checking account?
Yes. You will just need to enroll in Online Bill Pay. You can also have your payments drafted each month from your checking or savings account.

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