Skip to content

Online Mortgage Center

Apply Now

Today's Rates

15 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.072%  0.000%
Home Equity
Home Equity Loan - 5 Year
 Rate  APR  Points
 5.125%  5.259%  0.000%
Home Equity Loan - 10 Year
 Rate  APR  Points
 5.490%  5.561%  0.000%
FHA 15 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.975%  0.000%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 3.990%  5.067%  0.000%
Federal VA 15 Year Fixed Rate
 Rate  APR  Points
 3.990%  4.491%  0.000%
Federal VA 30 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.409%  0.000%
USDA 30 YR Fixed Mortgage
 Rate  APR  Points
 4.900%  5.352%  0.000%

Personalized Quote

Rate Watch

Keep an eye on rates via email. Sign up for Rate Watch.

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for approval.
  3. A First Citizens Community Bank Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 800-326-9486.


How much would my monthly payment be?

Can I save money by refinancing now?


Home Equity

Put your home to work for you with a home equity loan or line of credit.


Building your dream home doesn't have to be just a dream. We have construction loan programs that will make it a reality.

Contact Us

Call Us: 800-326-9486

Email Us