Trusted

Whether you’re buying your first home or if you’ve been through the process of buying a home before, First Citizens National Bank can be trusted to help you find the home financing option that’s right for you.

If you want to buy or build a home or refinance your current mortgage, you can count on competitive rates and local decision-making and processing. And our loan advisors are based right here in the community – so they have a strong understanding of the local real estate market, and are here to help you every step of the way on your mortgage journey.

• Competitive low rates for home purchase, refinance, or construction
• Available for primary residence, second homes, or vacation homes
• A wide range of terms customized to your unique situation
• A variety of financing programs available
• Get started with a pre-approval for extra confidence when it comes to securing financing.

GET STARTED TODAY! Apply online for a mortgage or reach out to a lender to set up an appointment.

It can be tough finding a new home right now. There aren’t a lot of houses on the market, and they tend to sell fast. If you’re considering staying put and making your current home a place you’d like to stay a bit longer, consider a Home Equity Line of Credit (HELOC) to finance the home improvements you dream of. Use the equity in your home as collateral for a line of credit. Funds can be accessed anytime for almost any purpose, from college tuition to home renovation.

First Citizens National Bank can be trusted to help you make your home sweet home even sweeter. Our expert advisors are here for you and can help you find the home financing solution that makes the best sense for you. And application is so easy!

• Competitive rates for several ongoing or seasonal needs
• Use the existing equity in your home as collateral backing
• Repayment terms that work for you
• Funds available anytime without reapplying; apply once, then use repeatedly thereafter
• Revolving credit – as principal is repaid, more becomes available for use
• Funds easily available via online, in-person, and phone transfers to a specified FCNB checking account
• The interest paid may be tax deductible**
• Local decision-making and processing.

GET STARTED ONLINE! Learn more about HELOCs or start your application online today. 

If you have a major home remodel on the horizon, want to consolidate your debt, or need funds for a variety of other reasons, a home equity loan may be the solution for you. The existing equity in your home can be used as collateral for a home equity loan which can be used for just about anything. Rates are competitive and the terms are flexible – get the financial relief you need with FCNB.

And you can rely on our helpful advisors to be with you from application to close.

• Competitive rates for short-term or one-time needs
• The existing equity in your home is used as collateral backing
• Repayment terms that work for you
• The interest paid may be tax deductible**
• Local decision-making and processing
• Helpful, customized service throughout the entire process.
  
  

GET STARTED TODAY! Find the financing option that’s right for you or start your application online.