Private Mortgage Lending

Flexible, convenient solutions for residential financing

Private mortgage lending made simple

With our private banking services, your mortgage choices expand. Whether it's a first home, vacation residence or investment property, we provide mortgage lending solutions aligned with your comprehensive wealth plan. Your private banking team will guide you through the process and offer direct solutions for your complex needs.

Private Mortgage Lending Benefits

A guided, streamlined process

Our decades of experience and our personal approach make the private mortgage process more efficient for you—and a better fit for your financial life.

  • Streamlined underwriting
  • Relationship pricing
  • No origination or application fees
  • Higher lending values
  • Flexible repayment options

A closer look at Private Mortgage Services
More options, more flexibility

Jumbo mortgages

Our jumbo mortgages for primary and secondary homes offer competitive rates with fixed- and adjustable-rate terms.

Interest-only loans

Our interest-only loans are designed for borrowers whose income is heavily based on unique personal cash flows.

Home equity lines of credit

Access the equity in your home to finance expenses and investments or manage debt—available on primary or secondary homes.

Construction-to-permanent mortgages

Cover all your costs in a single mortgage that provides financing during the construction of your home and converts to a permanent mortgage upon completion.

Medical doctor mortgages

Designed for medical doctors, these customized mortgages offer a variety of benefits, including up to 100% financing and flexible loan terms.

Looking for more private banking services?

Insights
A few insights for your financial plan

INTEL

Major Update to Small Business Law

The Corporate Transparency Act went into effect on January 1, 2024, and impacts millions of small businesses in the US. Here's what you need to know.
The companies impacted by the CTA are mainly the millions of US-based small businesses with 20 or fewer employees and less than $5 million in revenue.
INTEL

Will the Latest IRS Adjustments Change Your Tax Bill?

Annual inflation adjustments to tax provisions were announced in October 2024. Learn how this may change your 2025 tax return.
More than 60 changes were made this year, including standard deductions, marginal rates and alternative minimum tax exemptions.

Nerre Shuriah

JD, LLM, CM&AA | Senior Director of Wealth Planning

Tax Planning

Strategies for Cutting Tax Liability in Retirement

The less taxes you pay on retirement income, the more you’ll have to spend on enjoying life.
A financial advisor can help you create a holistic retirement income plan—one that meets the needs of your specific situation while also reducing your retirement tax burden.

Walt Reed

First Citizens Director of Trust & Estate Tax

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Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

All loans provided by First-Citizens Bank & Trust Company and Silicon Valley Bank are subject to underwriting, credit and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

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FirstCitizens.com/Wealth/Disclosures

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