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First Citizens Bank is good for borrowers interested in variety of types of mortgages, including construction and renovation loans, and a quick closing.
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Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term refinancing; construction and renovation loans; interest-only
Min. credit score required
620 for conventional loans, 701 for jumbo loans, 620 for FHA loans, 640 for USDA loans
Nationwide availability
Available in all U.S. states
Min. down payment
3.5% for FHA loans, none for VA loans
NMLS: 503941
4.5
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term refinancing; construction and renovation loans; interest-only
Nationwide Availability
Available in all U.S. states
Min. credit score required
620 for conventional loans, 701 for jumbo loans, 620 for FHA loans, 640 for USDA loans
Offers relationship discounts for banking customers
Provides construction and renovation financing
Offers online prequalifications, not preapprovals
First Citizens Bank is good for borrowers interested in variety of types of mortgages, including construction and renovation loans, and a quick closing.
First Citizens Bank’s mortgage rates are below Bankrate’s averages, meaning you might stand to obtain a favorable rate with this lender, provided you qualify. The bank’s charges for a mortgage might include an origination fee, rate-lock fee and other closing costs.
First Citizens Bank provides mortgages to borrowers in all 50 states, from conventional and government-insured loans through the FHA, VA and USDA programs to options to refinance your existing mortgage. The lender also offers jumbo loans, construction loans and home renovation loans.
First Citizens Bank has been in business for more than a century. The bank has an A rating from the Better Business Bureau.
As a borrower, you can set up a free online account to ask for preapproval, a process that typically requires three to five days. Then a mortgage banker will reach out to discuss your options. The bank’s average time to close a purchase loan, as of this review, was 25 days.
If you have questions about a loan, First Citizens Bank is available Monday through Friday from 9 a.m. to 6 p.m. ET. Your loan officer might also be available after hours or on weekends as needed.
You can refinance your current mortgage with First Citizens Bank. You’ll need to complete a form for a rate quote and an estimate of costs.
NMLS: 503941
4.7
97 ratings
This lender has 0 reviews.
93% of customers would recommend this lender.