Compare Home Loans

Take a look at all of our home loan options


Find a home loan that can help you achieve your next goal.

Home improvement loan

Home equity line of credit

Home equity loan

Intended use

Home improvements

Your choice

Your choice

Interest rate




Time to receive funds

Typically by next dayD

Average of 35 daysD

Average of 35 daysD

Collateral required

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Secured by 1st or 2nd deed of trust

Secured by 2nd deed of trust


Up to 84 monthsD

25-year term: 10-year draw period and 15-year repayment period

Up to 15-year fixed rate termD

Repayment options

Principal + interest

Interest only or principal + interest

Principal + interest

Closing costs and origination fees required

$75 origination fee

Closing costs and no origination fee

Closing costs and 0.50% origination fee

Continuous access to funds

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Tax deductible interestD

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A few financial insights for your life

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Normal credit approval applies.

One home improvement loan per customer.

Some restrictions apply.

Terms and conditions subject to change.

Account openings and credit are subject to bank approval.

First Citizens checking account is recommended. Property insurance is required. Title insurance and flood insurance may be required.

Consult your tax advisor regarding the deductibility of interest.

An example of a typical extension of credit with a home equity loan is as follows: An amount financed of $100,000 with a term of 180 months and an APR of 5.10%. The borrower will make 180 monthly payments of $790.27.

An example of a typical extension of credit for a home improvement loan is as follows: An amount financed of $25,000 with a term of 60 months and an origination fee of $75 with an APR of 4.12%. The borrower will make 60 monthly payments of $460.

Disbursement of loan funds requires an approved application, signed loan agreement and customer's funding preference. Funding should generally be completed on the same day or next business day once the application is taken. Approval process may take longer if additional documents are needed. Availability of funds may take longer if funds are deposited into an account at another financial institution.

Disbursement of funds based on open date for the loan and follows all approvals and required documentation.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.