Loans & Mortgages

First Citizens offers many lending plans and services tailored to meet your personal or business needs. Our financial lending specialists are interested in you and are available to discuss your loan requests with you individually. Below is an overview of the lending services available to you.

 

Mortgages

Just as shopping for a home includes the evaluation of many different home styles and options, finding the right mortgage product is just as important. The First Citizens National Bank lenders will provide you with professionalism and experience, while offering you competitive interest rates and outstanding, local service. Our job begins with fully understanding your needs and both your short and long term goals. We will discuss various options with you to determine what type of financing is ideal for your situation. We then evaluate the market and all of our current products, rates and underwriting guidelines to find the very best loan for your needs.

 

Do not forget that The First Citizens National Bank can provide you with a Pre-Approval so you will know the amount of loan you will qualify for before you go house hunting. 

 

Fixed Rate Mortgage Loans

 

  • A fixed rate mortgage has a fixed interest rate, fixed, equal monthly payments and is fully amortized over the term of the loan.
  • Terms available: 15 years, 20 years, 30 years
  • We process and underwrite your home loan right here at The First Citizens National Bank

 

The standard fixed-rate mortgage may be the right option for you if you:

 

  • Like a consistent payment amount to allow for easier budgeting
  • Plan to live in your house for at least 10 years without refinancing your mortgage
  • Do not like the risk of fluctuating interest rates
  • Are looking for a locally serviced loan from a local bank

 

mortgage checklist contact a lender

 

Adjustable Rate Mortgages

 

  • Adjustable rate mortgages (ARMs) have fluctuating interest rates that rise and fall with economic factors allowing for the potential for changing payment amounts.
  • ARMs may have substantially lower interest rates than fixed rate mortgages
  • Terms available up to 30 years
  • We process and underwrite your home loan right here at The First Citizens National Bank
  • Instead of selling your mortgage, we retain your mortgage—you will not have to call an 800 number to get an answer

 

An Adjustable Rate Mortgage may be ideal for you if you are:

 

  • Planning to move in a few years
  • Confident your income will keep pace with the potential for payment increases
  • Looking to reduce the principal amount of your loan quickly
  • Looking for a locally serviced loan from a local bank

 

contact a lender

 

Construction Loans

 

  • The First Citizens National Bank offers value-driven home construction loans to ensure that your home is completed in a timely manner and that you have a worry free building experience. For more information on our construction loans, please:

 

contact a lender

 

  • From our many years of construction loan experience, we have also developed a tool to make building your dream home a little bit easier. Our Construction Packet includes guidelines for our construction loans, as well as a checklist for you and your contractor.
  • Please take a look at our Construction Packet below.

 

construction packet

remodel packet

 

First Time Home Buyer Options

 

  • The people you know and trust at The First Citizens National Bank are committed to understanding the specific needs you will have in this financial situation.
  • Our various real estate mortgage programs offer choices for your first home loan.

 

Do not forget that The First Citizens National Bank can provide you with a Pre-Approval so you will know the amount of loan you will qualify for before you go house hunting. 

 

contact a lender

 

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Home Equity

Whether you are planning a vacation, sending a child to college, or adding on a sun room, one of our home equity loans may be right for you. Use the equity you have built in your home to make your dreams come true.

 

Home Equity Loan

 

  • Use the funds for any purpose…buy a car, remodel your home, it is your choice
  • Fixed rate second mortgages that provide you with a set amount of funds for you at one time
  • A variety of terms are available
  • We will tailor a plan to fit your needs
  • Very low closing fees
  • Interest rate discount if you set up an automatic payment from an FCNB checking or savings account
  • Interest may be tax deductible (check with your tax advisor)

 

For more information or an application, please:

 

contact a lender

 

Home Equity Visa® Line of Credit

 

  • Use the equity in your home for any purpose
  • Variable interest rates based on Prime
  • As you repay the money, it becomes available for you to borrow again
  • Up to a 15 year term
  • Convenient worldwide Visa® credit card access to your line of credit
  • Very low closing fees
  • Interest rate discount if you set up an automatic payment from an FCNB checking or savings account
  • Interest may be tax deductible (check with your tax advisor)

 

For more information or an application, please:

 

contact a lender

 

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Auto Loans

Whether you are purchasing your new dream car, truck or SUV, or just a “new to you” vehicle, we have a variety of financing terms to fit your needs and budget.

 

  • Flexible terms, up to 72 months
  • Vehicle financing from 2001 - brand new
  • Interest rate discount if you set up an automatic payment from an FCNB checking or savings account
  • We will explain all of your financing choices so you can make the best decision.
  • Use the link to the NADA Guide for helpful vehicle information and pricing on used vehicles.

 

For more information or to apply for an auto loan, please:

 

apply now contact a lender

 

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Cash Reserve Loan

  • Line of Credit program that protects your checking account from most overdrafts and eliminates the overdraft fee. An automatic cash advance transfers from your Line of Credit to your The First Citizens checking accounts*.
  • Interest is calculated daily on the unpaid Cash Reserve balance.

 

For more information please:

 

contact a lender

 

*Many of our checking accounts may have a cash reserve loan attached. Please consult a bank representative for more details.

 

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Specialty Loans

 

CD Loan

 

Check out our CD loan program! Use the hard earned money that you have saved and deposited into a The First Citizens National Bank Certificate of Deposit as collateral for your new loan.

 

Are you looking to?

 

  • Establish credit
  • Rebuild credit after having credit issues
  • Borrow funds at a very low interest rate
  • Repay funds on your own terms—our program is very flexible

 

A CD loan might be right for you. Call today for more information.

 

contact a lender

 

Personal Loans

 

Whatever your need may be…consolidating debt, a vacation, or just some fast cash, The First Citizens National Bank can finance your need.

 

  • Flexible terms, up to 60 months, to fit your budget
  • Loan amount based on your net worth
  • Competitive interest rate
  • We will explain all of your financing choices so you can make the best decision.

 

For more information or to apply for a personal loan, please:

 

apply now contact a lender

 

Recreational Vehicle Loan

 

Do you dream of taking a road trip on a motorcycle, sailing away aboard a new boat, driving off across the country in an RV or riding through the countryside on an ATV? No matter how you dream of spending your spare time, we have financing available for your recreational vehicle.

 

Our recreational vehicle loans offer:

 

  • Flexible terms to fit your budget
  • Quick approvals
  • Competitive interest rates

 

For more information or to apply for a recreational vehicle loan, please:

 

apply now contact a lender

 

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