Fixed-rate
Principal and interest stay put. Terms run about 15 to 30 years.
First Citizens mortgage
First Citizens Mortgage
A First Citizens mortgage can be a fixed payment, a lower starting adjustable rate, or a loan built for construction, jumbo prices, or a refinance.
Adjustable
A lower start, then a rate that can move. 5-, 7-, and 10-year fixed periods are offered, with caps.
Jumbo
For loan sizes above typical limits, up to $5 million, fixed or adjustable.
Construction
Finance the build, with interest-only payments during construction. Amounts up to $3 million.
Renovation
Repair or upgrade a primary or second home. The bank pays the builder as work moves.
VA, FHA, USDA
Government-backed options when you qualify, including some down-payment help.
You can draft the payment from checking or savings, or pay it with bill pay after you enroll in First Citizens online banking. Not every loan is offered in every state.
Read the live details on firstcitizens.com mortgages. A banker can also walk through medical-professional and refinance choices.
Pick the payment you can keep
A fixed rate is easier to budget. An adjustable rate starts lower and needs a plan for later years. Jumbo and construction loans fit larger or custom projects.