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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 designed two mortgage options specifically for medical professionals holding MD, DM, DO, DPO, DDS, DMD, PA, CRNA, CRNP, or DPT credentials. Here's what they offer:

100% Financing:

  • Use for buying a new home, constructing one, or refinancing your current residence.
  • No down payment required, making homeownership more accessible.
  • Borrower covers closing costs (applies to primary residences only).
  • No need for Private Mortgage Insurance (PMI), saving you money.
  • Simplify budgeting with one monthly payment.
  • Choose from fixed-rate terms for added stability.

80/20 Mortgages:

  • Pay off your loan faster and build equity more quickly.
  • Consists of an 80% first mortgage with terms of 15, 20, or 30 years.
  • The remaining 20% is a home equity loan.



Eligibility Requirements:

  • Minimum credit score: 700.
  • Provide a valid employment contract or three years of tax returns.
  • Auto payment from an FCCB checking account is required.

Apply now for your hassle-free mortgage solution tailored for medical professionals.


All loans are subject to credit approval.

NMLS ID: 401353