First Citizens Mortgage Rates

Find current mortgages rates and terms offered by First Citizens across a wide spectrum of home loan products. First Citizens offers a variety of programs from home purchasing and refinancing. Competitive mortgage rates and loan terms can be reviewed for the most common type of mortgages including First Citizens 30 year fixed rate loans, 15 year mortgage loans, jumbo mortgage loans, and adjustable rate mortgages.

First Citizens has a full staff of local dedicated mortgage bankers that can help new home loan borrowers find the right loan that meets their needs. Customer shopping for a new loan will find competitive rates and terms along with flexible down payment options and a straight forward loan approval process.

Key mortgage products available at First Citizens include fixed rate mortgages with unchanging interest rate throughout the life of the loan, adjustable rate mortgages with generally lower initial monthly payments, construction-to-permanent mortgage loans for financing for the construction of a new home that converts to permanent financing, and refinances for borrowers that needing improved mortgage terms.

First Citizens Mortgage Rates
First Citizens Bank Mortgage Lender Mortgage Rate Points APR
First Citizens 30 Yr Mortgage Rate
3.500 0.130 3.576
First Citizens 15 Yr Mortgage Rate
2.875 0.000 2.939
First Citizens 7/1 ARM Mortgage Rate
2.875 0.000 3.125

Refinances available at First Citizens provide borrowers with the ability to lock in a lower rate on outstanding mortgage balances, potentially lower monthly payments and pay less total interest paid over the life of the loan, as well as the opportunity to consolidate debt and obtain cash back.

Mortgage rates from First Citizens are constantly changing and are dependent on property valuations, credit, and income, among the many factors that could affect a rate. The final mortgage rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after a loan application is submitted.

The bank information and any bank rates are intended to be accurate but the information is not guaranteed and may have changed since this publication date. A First Citizens mortgage representative can be reached by calling 1-888-323-4732 to obtain current rates and loan terms.

The First Citizens mortgage rates listed are based on a loan amount of $250,000.00 on a single family purchase with a 20% down payment in South Carolina. Additional mortgage loan rates and terms are available including competitive mortgage rates in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, and West Virginia.

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