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Last Updated: 04/18/2025

First Citizens Bank Home Equity Loans

from First Citizens Bank

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

89.99%

Loan Term (Years)

5 - 15

First Citizens Bank Home Equity Loans Review

First Citizens Bank Home Equity Loans is offered by First Citizens Bank , a bank founded in 1898 and based in Raleigh, NC. First Citizens Bank Home Equity Loans are available in 50 states and Washington, DC.

Key Takeaways

No primary residences considered. First Citizens Bank Home Equity Loans does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. First Citizens Bank Home Equity Loans has a maximum loan to value ratio of 89.99%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for First Citizens Bank Home Equity Loans.

First Citizens Bank Home Equity Loans Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

First Citizens Bank Home Equity Loans FAQ

What are the home equity loan requirements of First Citizens Bank Home Equity Loans

This lender's maximum loan to value rate is 89.99%. That means the total debt secured by the property cannot exceed 89.99% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $69.99k.

Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does First Citizens Bank Home Equity Loans charge for a home equity loan?

First Citizens Bank Home Equity Loans may charge a loan origination fee

Is First Citizens Bank a legit company?

First Citizens Bank was founded in 1898, it is a well-established company that has been in business for 128 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

4300 Six Forks Rd

Raleigh, NC 27609

(888) 323-4732

Visit Site

Email Support

Hours of Operation

Sunday

7:00AM - 11:00PM

Monday

7:00AM - 11:00PM

Tuesday

7:00AM - 11:00PM

Wednesday

7:00AM - 11:00PM

Thursday

7:00AM - 11:00PM

Friday

7:00AM - 11:00PM

Saturday

7:00AM - 11:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.