The Right Mortgage

Choosing the right mortgage is just as important as choosing the right house. First Citizens offers a full menu of products, each with different features and advantages. We can pre-qualify you on the spot. And with the power of Decision PointSM, our mortgage bankers are able to quickly process loans.

We offer:

  • Conforming Fixed Rate Loans
    Long and Short Terms
    Flexible Mortgages

  • Jumbo Fixed Rate Loans
    Long and Short Terms

  • Conforming ARMs
    3/1, 5/1 ARMs

  • Portfolio ARMs
    5/1 ARM

  • Jumbo ARMs
    3/1, 5/1, 7/1, 10/1 ARMs

  • LIBOR ARMs
    3/1, 5/1, 7/1, 10/1 ARMs

  • Community Lending
    FHA, VA, USDA - Rural Development
    North Carolina Housing and Virginia Housing

  • Construction-to-Permanent Mortgages

Normal credit approval applies.