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Contact Information
William "Chip" Chitwood
Mortgage Banker
Office: (704) 658-2981
Cell: (704) 617-0584
Fax: (866) 410-6860
Email: Send Email
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Mortgage Rates
Here are some of the loan programs we offer. These programs are unique to First-Citizens Bank & Trust Company. To learn more about these programs and many others, call us at 1 888 FC DIRECT (1 888 323-4732), select option 2, then option 3.



NOTE: Payment examples do not include amounts for taxes and insurance premiums.

*ARM Products: The Annual Percentage Rate is subject to increase after consummation.



Rates below are for a 60 day lock period.

Rates are based on a purchase, loan amount of $165,000; credit score of 740; primary residence; single family dwelling; with a 20% down payment.
Loan Amount:      $

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Program Name Rate Points APR Payment  
30 Year Fixed (Conforming) 3.875% 0.38% 3.985% $0.00
30 Year Fixed (Conforming) 4.000% 0.00% 4.080% $0.00
30 Year Fixed (Conforming) 4.125% -0.37% 4.175% $0.00
15 Year Fixed (Conforming) 3.250% 0.37% 3.444% $0.00
15 Year Fixed (Conforming) 3.375% -0.25% 3.480% $0.00
15 Year Fixed (Conforming) 3.500% -0.75% 3.532% $0.00
5/1 Year ARM* (Conforming) 3.500% 0.00% 3.750% $0.00
Rates are subject to change without notice.
Rates last updated on 12/06/2019.
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