First Citizens Bank is a top financial institution in the U.S. It offers many loan options for homeowners and real estate investors. After merging with CIT Group in 2022, it has more services. This includes banking, commercial lending, wealth management, and digital banking.
Looking to buy a new property or refinance? First Citizens Bank CIT can help. It has the knowledge and tools to meet your needs.
Key Takeaways
- First Citizens Bank merged with CIT Bank in 2022, expanding its reach and capabilities nationwide
- The bank offers a wide range of mortgage options, including conventional, jumbo, FHA, VA, and USDA loans
- First Citizens Bank is highly rated by customers, with a 4.5-star rating and a 4.67-star Bankrate score
- The bank operates in all U.S. states, providing flexibility and convenience for homeowners and real estate investors
- First Citizens Bank CIT offers competitive rates, flexible terms, and a simplified application process to support your financial goals
Discover First Citizens Bank’s Mortgage Solutions
At First Citizens Bank CIT, we offer many mortgage solutions. We help first-time buyers, experienced investors, and those looking to refinance. Our team has the knowledge and resources to guide you.
Conventional, Jumbo, and Government-Backed Loans
We have conventional, jumbo, and government-backed loans. Conventional loans are great for those with good credit and stable income. They offer competitive rates and flexible terms.
Jumbo loans are for financing higher-priced homes. Government-backed loans, like FHA and VA, meet specific needs. They have unique requirements for certain borrowers.
Competitive Rates and Flexible Terms
We aim to give our customers the best rates and terms. Our lending team works with each borrower to find the right mortgage. Whether it’s for a new home or refinancing, we ensure the terms fit your budget.
| Loan Type | Interest Rates | Loan Limits | Eligibility Criteria |
|---|---|---|---|
| Conventional Loans | Starting at 5.99% | Up to $726,200 | Good credit, minimum down payment of 20% |
| Jumbo Loans | Starting at 6.25% | Over $726,200 | Excellent credit, higher down payment required |
| FHA Loans | Starting at 4.75% | Up to $420,680 | Lower credit scores accepted, down payment as low as 3.5% |
| VA Loans | Starting at 4.50% | No limit | Active military, veterans, and eligible spouses |
Find the mortgage solution that fits your financial goals. Start your journey to homeownership or refinancing with First Citizens Bank CIT.
First Citizens Bank CIT: Your Trusted Lending Partner
First Citizens Bank has been a trusted name for over a century. It serves customers all over the United States. After merging with CIT Group, it now offers more services like commercial lending and digital banking.
Over a Century of Experience in Banking Services
First Citizens Bank has built trust through its long history and community work. It has over 500 branches in 30 states. Its parent company, First Citizens BancShares, Inc., has over $200 billion in assets.
Customers trust First Citizens Bank CIT for their financial needs. Its commercial lending division, CIT Northbridge Credit, helps middle-market companies. It offers loans from $15 million to $150 million to various industries.
“First Citizens Bank has been a trusted partner, providing the financial solutions and support we need to grow our business.”
First Citizens Bank and CIT Group merged to offer more services. They have products for personal, business, and wealth clients. With a long history of excellence, First Citizens Bank CIT is a reliable partner.
Simplified Application Process for Homebuyers
At First Citizens Bank CIT, we get how exciting and complex buying a home can be. That’s why we’ve made our mortgage application easy. Our mortgage team is here to help you every step of the way, making the process smooth and quick.
Our experts will guide you from the start to the end. They’ll help you understand all the loan options and what you need. Whether you’re buying your first home or investing in real estate, we’ll support you. We aim to find the right mortgage for your financial situation and goals.
Our online application is easy to use, and our customer service is quick. You can trust that your first citizens bank cit mortgage application will be handled fast. We want to make the process easy, so you can focus on finding your dream home.
“The team at First Citizens Bank CIT made the mortgage application process a breeze. Their guidance and support were invaluable throughout the entire journey.”
– Sarah T., First-Time Homebuyer
At First Citizens Bank CIT, we aim to help you reach your homeownership dreams. Contact us to learn more about our easy mortgage application. We’re here to help you through the homebuying process with confidence.
Refinancing Opportunities with First Citizens Bank CIT
At First Citizens Bank CIT, we know how key refinancing is for homeowners. We offer flexible options to help you lower your mortgage payments or tap into your home’s equity. Our experienced team is ready to help you make smart financial choices.
Rate-and-Term and Cash-Out Refinance Options
First Citizens Bank CIT has two main refinancing choices for you:
- Rate-and-Term Refinance: This lets you refinance to get a lower interest rate. It can cut your monthly payments and the loan’s total cost.
- Cash-Out Refinance: This option lets you use your home’s equity for things like home upgrades, paying off debt, or other financial goals.
Our team at First Citizens Bank CIT will help you understand your financial goals. We’ll guide you through refinancing, making it easy and smooth.
“First Citizens Bank CIT’s refinancing options and expertise have been invaluable in helping us make the best financial decisions for our family.”
With over a century in banking, First Citizens Bank CIT is a trusted name for refinancing. Our focus on customer service and tailored solutions makes us the top choice for homeowners looking to improve their mortgage and finances.
Conclusion
First Citizens Bank CIT is known for its wide range of banking solutions. It offers personalized help for those buying or investing in real estate. With over a century of experience, it has many loan options and competitive rates.
The bank recently merged with CIT Group. Now, it has over 600 branches in 22 states. This growth has helped it invest $16 billion in low-income communities. It shows the bank’s commitment to helping its community.
If you’re looking for a new home or want to refinance, First Citizens Bank CIT can help. It offers tailored solutions and personal guidance. The bank is ready to assist you in reaching your financial goals.
Frequently Asked Questions
Kuldeep Nirgude is a computer science student with a strong interest in finance and marketing. With a focus on analyzing industry trends, he writes articles that simplify complex concepts and empower readers to make informed decisions. Kuldeep is dedicated to bridging the gap between technology and business, and is committed to staying updated on the latest innovations shaping the economy.