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 cashflows.

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

Planning

Q2 2024 Quarterly Positioning

Patrick Nolan discusses the current market environment, portfolio positions and risk considerations for the second quarter.
Planning

Tips for Finding the Perfect Seasonal Residence

Ask yourself these questions before making a decision on a second home.
There are several factors to consider before adding a new property to your real estate portfolio.
Estate Planning

Providing for a Loved One With a Special Needs Trust

A special needs trust can help you provide a lifeline for a loved one who's unable to manage on their own.
There are things, like occupational therapies, that government programs like Medicaid provide that could be prohibitively expensive if you're paying for them personally.

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Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results. Asset allocation, dollar cost averaging and diversification do not guarantee a profit or protect against loss. There is no guarantee that a strategy will achieve its goal.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

Bank deposit products are offered by First Citizens Bank, Member FDIC.

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