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Mortgage Rates
Here are some of the loan programs we offer. These programs are unique to First-Citizens Bank & Trust Company. To learn more about these programs and many others, call us at 1 888 FC DIRECT (1 888 323-4732). NOTE: Payment examples do not include amounts for taxes and insurance premiums. *ARM Products: The Annual Percentage Rate is subject to increase after consummation. An example of a typical 30-year fixed rate mortgage is as follows: A loan amount of $400,000 with an annual percentage rate of 3.942% would result in a monthly payment of $1,880.95. Rates below are for a 60 day lock period. Rates are based on a purchase, loan amount of $165,000; credit score of 740; primary residence; single family dwelling; with a 20% down payment.
Loan Amount:      $

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Program Name Rate Points APR Payment  
30 Year Fixed (Conforming) 4.750% 0.13% 4.838% $0.00
30 Year Fixed (Conforming) 4.875% -0.50% 4.909% $0.00
30 Year Fixed (Conforming) 5.000% -0.75% 5.012% $0.00
15 Year Fixed (Conforming) 4.125% 0.13% 4.275% $0.00
15 Year Fixed (Conforming) 4.250% 0.00% 4.382% $0.00
15 Year Fixed (Conforming) 4.375% -0.12% 4.489% $0.00
5/1 Year ARM* (Conforming) 3.875% 0.00% 4.125% $0.00
Rates are subject to change without notice.
Rates last updated on 12/11/2018.
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