Adjustable-Rate Mortgages

Get more from your home and money

Application Requirements

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.

  • Social Security number
  • Employer contact information
  • Estimated income, assets and liabilities
  • Details on the property you're interested in buying

Vary rates for varying needs

Regular adjustments

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.

Pay online

Make mortgage payments online with your First Citizens checking account.

Get assistance

If you're eligible for down payment assistance, you may be able to make a lower lump sum payment.

Homeowner Insurance

Keep your home and your family safe

Get the right homeowners insurance to meet your family's needs.
Auto Insurance

Protect all your vehicles

Find the right combination of coverage for your vehicle and its passengers.

Normal credit approval applies.

Not applicable in all states.

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