Home Mortgage Loans

Find the right mortgage to purchase or refinance a home

Fixed-Rate Mortgages

Ensure your monthly payments and interest rate don't change with a fixed-rate mortgage loan.

  • Lock in your principal and interest payments
  • Easily apply online

Adjustable-Rate Mortgages

Make lower payments now and stay protected from high rates later with this type of mortgage loan.

  • Lower initial monthly payment
  • Lower initial interest rate
  • Rate ceilings protect you from major swings

Construction & Renovation Loans

Build or renovate your dream home with a construction and renovation loan.

  • Finance the build and the long-term mortgage
  • Apply for loans up to $3 million
  • Make interest-only payments throughout the construction phase

Jumbo Loans

If you need a big house or you're in a competitive market, this mortgage loan lets you exceed the limit.

  • Borrow more than traditional mortgages allow
  • Qualify for a loan of up to $3 million
  • Choose a fixed- or adjustable-rate mortgage

VA, FHA and USDA Loans

Government-backed home loans can help put home ownership within reach.

  • Get down payment assistance
  • Qualify for lower rates
  • You must be an eligible veteran, first-time homebuyer or purchasing a home on USDA-eligible rural land

Our mortgage bankers are here, every step of the way

Buying a home is no small achievement, and the process can look different from family to family. Whether in-person or online, mortgage bankers are here to help take care of the details—big and small—so you can focus on celebrating the moments that matter most.

Buying a Home? Learn How a First Citizens Mortgage Banker Can Help

Man: [Taking a video with his phone] And go.

Woman: [Laughing and turning on the faucet] What do you think?

Man: It's good.

Woman: You didn’t feel rushed?

[Sees daughter taking waffle out of toaster, proceeds to also pull out her phone] Hold on one second, let's get a shot of your first waffle in the new house.

[Daughter rolls her eyes, proceeds to put waffle back in toaster as parents look on and film]

[Voice over with music] The first time we did anything in our new home was special, and it all began with finding a mortgage partner who understood what a new home meant for us.

First, we created an online account in a few quick steps. We personalized all of our information, added details about the property and were able to log in at any time to check the status of our application.

From there, we selected a First Citizens mortgage expert to help sort through the details and find the best financing for our situation.

If we ever need to relocate or downsize, we know they'll be there for that too. And that means spending less time feeling stressed over financing and more time building memories with loved ones.

Member FDIC. Equal Housing Lender.

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.

People often ask us

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.

When you apply for a mortgage loan, the lender will pull your credit score. Your credit score measures your credit risk relative to the rest of consumers, based on your credit usage history. Higher credit risk scores can mean lower rates and better loan terms.

When you receive a mortgage loan, you’ll also receive an escrow account. The lender will deposit part of your monthly mortgage payment into this escrow account. That payment covers taxes and insurance premiums that are typically assessed annually, but with a mortgage are paid monthly so that the lender can reduce the risk that you’ll fall behind on your obligations.

A mortgage loan payment is made up of two things—a payment toward the principal amount, and a payment toward the interest. Paying these two things off in equal installments over a set time period is called mortgage amortization. When you first start paying off your mortgage, most of the payment is applied to the interest. Over time, your principal payments catch up until your loan is paid off.

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, we monitor 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.

Yes. You'll just need to enroll in Online Bill Pay. You can also have your payments drafted each month from your checking or savings account.


A few financial insights for your life

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