Private Mortgage Lending

Flexible, convenient solutions for residential financing

Mortage 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.

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

Tax Planning

Tax-Loss Harvesting: A Smart Tax Move for Investors

Tax-loss harvesting is a smart way to use capital losses to help minimize capital gains taxes.
Tax-loss harvesting can be a smart way to make your portfolio more tax-efficient. However, it's a strategy that requires careful tracking and timing.

Walt Reed

First Citizens Director of Trust & Estate Tax

Tax Planning

Navigating Capital Gains Taxes

Understanding how capital gains taxes work and ways to minimize them is essential for making more informed investment decisions.
While you can't completely avoid taxes on successful investments, you can take steps to reduce your capital gains taxes.

Walt Reed

First Citizens Director of Trust & Estate Tax

Liquidity

Understanding employee liquidity options prior to an IPO

Accessing liquidity as an employee of a pre-IPO company can involve a series of financial calculations. Knowing your options can help you make sound decisions.
The world of liquidity has shifted for employees and founders of pre-IPO companies throughout the innovation sector during the last 10 years.

Ann Lucchesi

Senior Director

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.

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

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.