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Realizing your dream of becoming a medical professional took hard work and a significant financial commitment. Now let First Citizens help you realize your dream of becoming a homeowner.

We've created two mortgage solutions available for medical professionals with the designation of MD, DM, DO, DPO, DDS, DMD, PA, CRNA, CRNP, and DPT.

  • Both can be used to purchase a new home, build your home or refinance the one you already have
  • Both provide 100% financing
  • No down payment required
  • Closing costs paid by borrower (this offer is only available on your primary residence)
  • No Private Mortgage Insurance Required
  • 100% Mortgages:
    • One monthly payment makes budget management easier
    • 15, 20, & 30 year terms
  • 80/20 Mortgages:
  • Pay off loan quicker – build equity faster.
    • 80% will be a first mortgage with 15, 20 & 30 year terms
    • 20% will be a home equity



  • Credit Score – Minimum 700
  • Valid Employment Contract or 3 years or more of tax returns
  • Auto payment from FCCB checking required