Log In  |  Contact Us  |  Help
Log in

Rate Information

Important Information Regarding APRs, Rates, Points and Payments

The Annual Percentage Rate (APR), interest rate, points/credits shown here are estimates for informational purposes only and are subject to change without notice.  Negative percentages reflected in the points column represent a credit to closing costs.  These estimates are based on a potential borrower with excellent credit and specific loan terms. Your actual APR, interest rate and points may be different than those displayed depending on your individual credit score and loan factors.  These factors may include, but are not limited to, property location, loan amount, documentation type, loan type, occupancy, property type and loan to value.  Your APR will be based on your final loan amount and finance charges. Please contact your mortgage banker for additional information.

All estimates include a 1% origination fee and an approximate cost of prepaid finance charges.  The estimates do not include other specific charges you may be required to pay such as closing costs, discount points or mortgage insurance.

The estimated payment amounts displayed do not include costs for property taxes, homeowners insurance or, if applicable, flood insurance or mortgage insurance.  If an escrow account is established the monthly payment amount will increase.

Additional Information about Adjustable Rate Mortgages (ARM) – The Annual Percentage Rate is subject to increase after consummation.  The APR, interest rate and principal and interest payment are subject to increase after the initial fixed period depending on changes to the applicable index used to calculate the adjusted rate.  Changes to the index may materially impact your monthly payment.

Conforming loan amounts are equal to or less than the amount established by the conforming loan limit set by Fannie Mae and Freddie Mac's Federal regulator, The Office of Federal Housing Enterprise Oversight (OFHEO).

Copyright © 2020 First-Citizens Bank & Trust Company
Privacy Policy  | Security Statement