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Interest rates effective: 01/19/2022 - 01/24/2022

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Mortgages are like your favorite pair of jeans - they have to fit just right to make you feel good. That's why we keep improving our product line and exploring new options, so we have solutions to fit everyone's individual needs. 

Maybe you're tired of paying rent but don't have the money for a downpayment or closing costs. Don't let that stop you! And if you're not sure about income or credit, don't count yourself out. First Citizens has flexible programs to help middle to lower-income families achieve their dreams of owning their own home. We also have programs that provide special benefits for our Veterans. Whatever your situation, start by getting a free prequalification so you know how much you can afford to borrow.


Prequalify for free! 


Residential Conforming Mortgage Rates

Type Points Interest Rate APR Typical Monthly Payment
15 Year Fixed 0% 3.00% 3.135% $690.58
15 Year Fixed 1% 2.750% 2.883% $678.62
20 Year Fixed 0% 3.500% 3.608% $579.96
20 Year Fixed 1% 3.250% 3.356% $567.20
30 Year Fixed 0% 3.750% 3.829% $463.12
30 Year Fixed 1% 3.500% 3.577%



The principal and interest (P&I) payment does not include taxes and insurance. Your payment will be higher when these are added. The APR calculation and the P&I amounts are both based on a loan amount of $100,000, for the purchase of a primary residence in Pennsylvania, with an 80% loan-to-value (LTV). LTV is the dollar amount of the mortgage divided by the appraised value of the property. Two and three-point conforming mortgages are also available. Purchasing points will decrease your monthly payment. Please call us toll-free at (800) 326-9486 for more information! *APR= Annual Percentage Rate | Equal Housing Lender