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In-House Mortgages

First Citizens is the #1 Mortgage Lender in the Northern Tier. Our experienced advisors turn complicated situations into simple solutions with our in-house mortgages.

A First Citizens' In-House Mortgage allows you to borrow up to 95% of the value of the home. It is held by and fully serviced by First Citizens National Bank.

Summary
  • Great rates
  • Flexible terms including bi-weekly payment options*
  • Experienced advisors to assist you
  • Fixed Rate Mortgages - 15, 20 and 25 years
  • Adjustable Rate Mortgages - 1, 3, and 5 years
  • Credit Ratings can vary and interest rates are priced accordingly

*Ask us about our bi-weekly payment options, which can save you thousands in interest!

More Info

Maximum Loan Amount:

  • $325,000

Minimum Down Payment:

  • 5% minimum with Private Mortgage Insurance Required
  • 20% without Private Mortgage Insurance
  • Customized Solutions Available
  • Acceptable Sources for Down Payments:
  • 5% with PMI must be the borrower's own funds
  • 20% without PMI - can be a variety of sources such as gift from family member, CD or other property held as collateral, etc.

Acceptable Sources for Closing Costs:

  • Borrower's Own Funds
  • Gifts or Grants from non-profit organizations
  • Customized Solutions Available

Payment Options:

  • Automatic Transfer from another First Citizens deposit account
  • Bi-Weekly Payment Program Available
  • Coupon Book

Occupancy:

  • Owner Occupied or Rental Property with appropriate Rate Adjustment