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Navigation Path: Home > Personal Services > Credit Cards, Loans & Mortgages > Mortgages Larger Type|Smaller Type|Print

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
    Stated Income
    Flexible Mortgages

  • Jumbo Fixed Rate Loans
    Long and Short Terms
    Stated Income
    No Ratio Loans
    No Income/No Asset Loans

  • Conforming ARMs
    1y r., 3/1, 5/1 ARMs

  • Portfolio ARMs
    1 yr., 3/3, 5/1 ARMs

  • Jumbo ARMs
    1 yr., 3/1, 5/1, 7/1 ARMs

  • LIBOR ARMs
    1 mo., 6mo., 1 yr., 3/1, 5/1, 7/1, 10/1 ARMs

  • Community Lending
    DreaMaker
    North Carolina Housing and Virginia Housing
    Shelter Source

  • Construction-to-Permanent Mortgages

  • Expanded Approval Loans
    For borrowers with additional qualifying needs.

 
Normal credit approval applies.
Member FDIC Equal Housing Lender