Get more from your home and money
Lower Initial Payments
Keep cash on hand when you start out with lower payments.
Lower Initial Rate
Initial rates are typically below those of fixed-rate mortgages.
Interest Rate Ceilings
Limit your risk with protection from interest rate changes.
Qualify for an adjustable-rate home loan
Create an account in our online application platform. Here's what you'll need to apply for an adjustable-rate mortgage.
Vary rates for varying needs
After the initial period, your interest rates adjust at specific adjustment dates.
Choose your term
Choose from a variety of terms and rate adjustment schedules.
Buffer market swings
Interest rate ceilings protect you from large swings in interest rates.
Make mortgage payments online with your First Citizens checking account.
If you're eligible for down payment assistance, you may be able to make a lower lump sum payment.
Get guidance through the homebuying process. We're here to help.
Keep your home and your family safe
Protect all your vehicles
Normal credit approval applies.
Not applicable in all states.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.