Special Purpose Credit Program

Let us help make your dream of owning a home a reality

You could be one step closer to homeownership

First Citizens' Special Purpose Credit Program offers financial benefits that may help bring homeownership within reach for homebuyers who meet certain criteria.

Key Advantages
Program benefits

Finance up to 100% of property value

Secure credits toward closing costs and down paymentD

Leverage nontraditional evidence of credit

Our Commitment
With us, you come first

Service

We're committed to providing unparalleled customer service throughout the mortgage lending process.

Solutions

We help provide the right mortgage solutions to meet the needs of qualified homebuyers.

Experience

We've helped countless homebuyers—from first-timers to generations of families—for more than 125 years.

Get Started
Connect with a banker

Complete the form below to have a banker contact you about the Special Purpose Credit Program.

Special Purpose Credit Program FAQ
People often ask us

To qualify, prospective borrowers must live in certain US counties. Additional restrictions apply.

Examples of nontraditional evidence include rent and utility payment histories. This gives the prospective borrower more leverage than their existing credit score to obtain loan approval.

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.

Borrowers are expected to make a minimum contribution of $500 toward their down payment, closing costs or both.

Normal credit approval applies.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941