Affordable Mortgage Options and Solutions

Give your dream an address

Unlock more than a home

The dream of homeownership represents much more than a place. It's a feeling of truly being settled and grounded—and having the ability to live out the meaningful moments of life.

Homeownership is within reach—even if your savings and credit aren't where you'd like them to be. Our mortgage solutions and expertise are here to help you open the door to homeownership.

Ready to get started?

Or call 888-427-6578 , Opens in a new tab
Erica's story

Erica's Story

First Citizens Bank™

Erica: I knew I was probably never going to be a homeowner where I was, so I had to find some alternatives—and that meant relocating.

Owning my own home through First Citizens Bank still feels like a dream come true. They were professional, knowledgeable and just very, very responsive.

I'm so happy to be a homeowner, and I'm excited for the memories my son, Daniel, and I will make here.

First Citizens Bank

Start today at FirstCitizens.com/homebuyer

Equal Housing Lender | Member FDIC

Affordable mortgage solutions

We offer a number of options to help customers achieve homeownership. You may qualify for one or more of these options.

  • Low down payment options
  • Interest rate discounts
  • Forgivable loan program, which allows a portion of your loan to be forgiven
  • Assistance with mortgage closing costs, fees and down payment
  • First-generation homebuyer mortgage solutions

Why choose us

Generations of experience

We've helped generations of families and thousands of first-time homebuyers. Our experience runs deep and can help you grow roots in your new home.

Affordable options

We offer a range of mortgage solutions to help make homeownership more affordable. We'll collaborate to find the right options that meet your needs.

Personalized assistance

We're committed to providing an unparalleled customer experience. We'll walk with you through each step of the homebuying process.

Mortgage Process
What to expect

If you're unsure how to get the homebuying process started, don't worry. We're here to guide you and make each step as simple as possible.

Step 1

Contact us

Get started by submitting the contact form. An experienced mortgage specialist will reach out to answer any questions you have and explain the mortgage lending process.

Step 2

Submit an application

We work closely with you to make sure your application is complete and that you submit the required documents for an efficient approval process.

Step 3

Get approval

Upon approval, a mortgage specialist ensures you receive access to the funds you need to buy a home.

Partnering with you

Our mortgage professionals work with you every step of the way to help ease the stress and financial burden of buying a home—making it an achievable dream.

With personalized assistance, we simplify the process so it's easy to purchase your first home. Get started today.

Or call 888-427-6578 , Opens in a new tab
Rene's story

Rene's Story

First Citizens Bank®

Rene: It just felt like no matter how hard I worked, I couldn't make a mortgage work. But I was not going to give up on it.

When I found First Citizens Bank, we sat down and figured out affordability options before we even applied.

After that, everything was seamless. The approval, the closing, all of it. Look, I want to provide for my daughter in every way I can, so finally getting this home for my family—it means everything.

First Citizens Bank

Start today at FirstCitizens.com/homebuyer

Equal Housing Lender | Member FDIC

Terms and restrictions apply. Programs are subject to change without notice and may be discontinued without notice. Consult a tax advisor regarding any tax implications.

Normal credit approval applies.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

First Citizens Bank is a Member FDIC and an Equal Housing Lender icon: sys-ehl.

NMLSR ID 503941