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If we ever need to relocate or downsize, we know they'll be there for that too. And that means spending less time feeling stressed over financing and more time building memories with loved ones. Government-backed home loans can help put home ownership within reach. Talk to our experts about ways we can make a residential investment property happen for you. Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your mortgage in just a few days.
Secure a home mortgage with a competitive rate from loan advisors in your neck of the woods. From there, we selected a First Citizens mortgage expert to help sort through the details and find the best financing for our situation. Simple solutions or accounts with a custom feel, we are here to meet your banking needs. When you’ve got your sights set on a larger home, you’ll need a larger mortgage to get you in the door. Our Jumbo Loans allow us to lend above the conforming loan limit.
Banking at your fingertips
I cannot find a Citi property on the website.The property may not be available for sale at this time because it is occupied, in redemption, or undergoing repairs. Contact your real estate agent to see if the property is currently listed. When you select the link below, you'll be taken to the login page for our mortgage application system. 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.
After the construction period, easily modify to a standard fixed or adjustable rate mortgage – no second loan closing required. On that page, select the Create Account button located below the Log In button. Even if you have a First Citizens digital banking account, you'll need to create an account for our application system.
Financial Solutions for You:
Submitting an application doesn't mean you're agreeing to a loan. You'll just need to enroll in Online Bill Pay. You can also have your payments drafted each month from your checking or savings account. With a mortgage, the borrower—or homebuyer—agrees to pay back the lender over a specified period of time with interest. The period of time, which is called a mortgage term, can vary from a few years to a few decades. Please refer to our security and privacy statements for additional terms and conditions.
A mortgage is a type of loan used to buy or refinance a house, plot of land or other real estate property. Most homebuyers get a mortgage to finance the purchase of their home. Buying a home is no small achievement, and the process can look different from family to family. Whether in person or online, mortgage bankers are here to help take care of the details—big and small—so you can focus on celebrating the moments that matter most. With a pre-approval you can focus on the fun part, finding your dream home. Getting a pre-approval with us is free, easy and quick.
Looking to buy a home? See how much you'll pay monthly.
Your credit score measures your credit risk relative to the rest of consumers, based on your credit usage history. Higher credit risk scores can mean lower rates and better loan terms. In 2016, Citizens Bank & Trust partnered with local lender GMFS to provide an even wider variety of home mortgage products. With this partnership, we are able to offer longer terms with very competitive rates. Additional loan products now available through Citizens include Conventional and Government programs such as FHA Loans, VA Loans and USDA .
Depending on the loan, these monthly payments may include property tax and home insurance as well. When you receive a mortgage loan, you'll also receive an escrow account. The lender will deposit part of your monthly mortgage payment into this escrow account. When you apply for a mortgage loan, the lender will pull your credit score.
Citizens Bank & Trust offers mortgage loans with a variety of home loan options. Click on the Citizens Bank Loan Officer link below to start a conversation about your loan request. For a list of our Mortgage Loan Originators, click here. Financing a home can be a very stressful process but our goal at Community Bank Mortgage is to provide you a fast, efficient, and stress-free home financing process. We do this by have experienced, well-trained mortgage professionals who will walk with you from beginning to end.
After you've applied for pre-approval, a mortgage banker will reach out to discuss your options. Feel free to ask anything about the mortgage loan process—your banker is here to be your guide. Community Bank is not responsible for, nor do we control, endorse, or guarantee the content, products and/or services of the subsequent pages. The linked site may have different privacy policy or provide less security than our website. You should consult privacy disclosures at the linked website for further information.
† Calls are randomly monitored and recorded to ensure quality service. REO, ("Real Estate Owned"), is a term used to describe a property that was acquired, normally as a result of a foreclosure. All information is provided on an "as is" basis and without warranty as to accuracy and completeness. We are directing you to Sallie Mae®, another website not owned or operated by Community Bank. Bank deposit products are offered by First Citizens Bank. Tap into your home's equity for your next big purchase or renovation project.
A letter of pre-approval identifies you as a serious buyer and can be a good negotiating tool with the seller. A Pre-approval requires an application and a credit report. Usually, employment pay stubs, financial asset statements, and year-end W2 forms are required at this point. For most buyers, we can complete pre-approval within a few hours. Our Mortgage Lenders are happy to help get the financing setup to make your home-buying process more enjoyable.
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