First Citizens Bank, head quartered in North Carolina, Raleigh, with the many financial services offered, also offers personalized guidance on home loans and promise to make the journey of buying a new dream home a pleasant one. Focusing on integrity and each individual client personalized attention, the bank puts forward their best foot forward. The difference here is focus on personalized guidance and step by step advice to go through the home borrowing, approval and home loan repayment process.
First Citizens Chairman promises common sense attitudes and approach for doing business by laying more importance on clients needs rather than the banks. They are in business for more than a century, a long way, and have built this by dedication and trust and have received honors and awards for the same.
The First Citizens Mortgage banker will begin from the first step , by helping you to focus on buying a home within your budget. You will be helped to calculate your new home total value, purchase price, and your income and liabilities. From this will come an affordable amount which you can spare every month towards achieving your dream home. Eligibility criteria for approval of your home loan remains the same as for every bank, that is your qualification and post you work as, monthly income salary slips for the last 30 days if you have changed job, and previous employers address and telephone numbers. Bank statements, credit statements, tax returns, assets, family members and their financial status, dependents and so on, just that here you are into information of very fine details regarding your income and assets, right to the dot!
First Citizens Mortgage Banker representative in your area will guide the borrowers about the whole process of your loan and mortgages. Free online credit card status checking can be done easily by filling a simple form and finding your eligibility status with the bank before applying for a home loan.
Numbers of years you have lived are important for approval of your loan, as for your permanent address In case you have lived for less than two years in your present location home you will need to supply proof of the same. For self employed professional they need to supply profit and loss statements till date of application for home loan and also two years of signed Federal Income Tax Returns. Your total income from assets and your total liabilities will also be calculated.
