Welcome to the Mortgage Center

Mortgage Center

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Today's Featured Rates
Aug 08, 2008

30 Year Fixed Rate
Rate	APR	Points
6.625%	6.644%	0.000%
15 Year Fixed Rate
Rate	APR	Points
6.125%	6.155%	0.000%
3 Year Adjustable Rate
Rate	APR	Points
6.000%	5.830%	0.000%
5 Year Adjustable Rate
Rate	APR	Points
6.125%	5.682%	0.000%

Assumptions

Updated information
about your loan is
available for you anytime
24 hours a day!

First Citizens Benefits
	Our Loan Officers Offer Personalized Assistance. Please call at 800-642-7515 or e-mail at mortgages@firstcitizens.org during regular hours.
	Our Services are performed locally before and especially after your loan has closed. Most mortgage requests are approved in minutes, rather than days or weeks!
	Free Step Ones We offer free pre-approvals, using our "Step One" application, so you may shop for your home knowing how much you can afford.
	We offer very competitive Rates, Products and Terms. We also offer a variety of loan options to choose from including fixed and adjustable rate mortgages including First Time Homebuyer Programs and Specialized Products such as Interest Only for the first ten years of your thirty year mortgage. Remember a Loan Officer is always just a call or e-mail away!

BUSINESS AND COMMERCIAL PRODUCTS AVAILABLE. Click on First Citizens' Logo top left and then click on "Business Services" top middle, for more information.

Today's Featured Products Home Equity Line & Home Equity Loan If you are looking to apply for a HOME EQUITY LINE OF CREDIT or a HOME EQUITY LOAN please click on the “APPLY NOW” button at the top of this page to begin.

We have one of the best Home Equity Lines available in the area. No application fee or closing costs, see the product disclosure for additional information.

If you are looking for a fixed rate Home Equity Loan instead, we offer very competitive rates with low closing costs and no application fees.

All Product Rates are based on borrowers opening a First Citizens' Checking Account with Direct Deposit