We offer a variety of programs to help potential homeowners navigate the home buying process.  MassHousing to MHP and everything in-between, the options can become overwhelming. Our expert lending officers will get you into the mortgage that's right for you. But where to begin?
1) Assemble your team
Choosing the right realtor and lending officer is key to buying your new home. With all the first time home buyer options, First Citizens' mortgage originators are knowledgeable experts that will find the loan right for you!  
2) Educate yourself
How much mortgage can you afford? Do you need to work on your credit? What steps should you take prior to applying? Our financial education partner, Banzai, can help you navigate through all those questions! Visit our education center today! 
3) Get pre-qualified 
Once you are ready to start looking for your new home, apply through our online mortgage center to pre-qualify with your local lender! 
*Loans are subject to approval