Home Equity Loans
Funding your dreams starts at home
Unlock the potential of your home's built-up equity
You've invested a lot of equity in your home over the years. A home equity loan can help you tap into this value and use it to achieve your goals.
Access to funds you need
Lump-sum funds are available for specific needs.
No surprises
Fixed monthly payments make for predictable monthly budgets.
Flexible terms
Home equity loan terms are available from 5 to 15 years.
Let us help you make the most of your home's equity
Rates as low as
6.29% APRD
Get quick, easy access to the funds you need
For a backyard pool
For home renovations
For a large purchase
Let your home fuel your goals
Transform your home's equity into funds that help you achieve your goals.
Determine your home's equity
Use this calculator to estimate how much you have available based on your home's loan-to-value ratio.
How to get started
If you're unsure how to open a home equity loan, don't worry. First Citizens is here to guide you and make each step as simple as possible.
Submit your application
The first step toward opening a home equity loan is starting a conversation with one of our expert bankers and submitting an application for pre-approval.
Underwriting and appraisal
Once you've submitted your application, we'll work with you to gather and review important documents. This can include a credit report, personal financial information and a home appraisal.
Get final approval
In this phase, an underwriter reviews all documentation to complete final approval. Your banker will communicate final approval to you.
Prepare for closing
Before closing, we'll contact you to discuss and review your loan approval. You'll review disclosures, discuss expected fees, provide any additional documentation needed and verify the closing date.
Closing
Finally, you'll sign documents to officially open your home equity loan.