Frequently Asked Questions


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.
You can simply submit an application online, Opens in a new tab 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.
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.
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.
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.
The Federal Housing Authority, Opens in a new tab1 (FHA) offers government mortgage loans that are less expensive than other types of mortgage loans. For instance, FHA loans allow for down payments as low as 3.5% Learn more about FHA loans >>
A VA mortgage is available to military service veterans, reservists and active-duty service members. The loan is insured and guaranteed by the Department of Veterans Affairs, Opens in a new tab1. Learn about the benefits of VA loans >>
A USDA loan is a government-insured, 100% purchase loan with a 30-year, fixed-rate mortgage. These loans are for primary residences only, and are only offered on properties in USDA eligible areas, Opens in a new tab1. Learn more about USDA 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.
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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