1. 1.000% off Prime Rate at time of application. Requires a First Citizens’ checking account set up at time of loan closing with automatic monthly payment deduction. The index is Prime Rate published on the last business day of the Wall Street Journal. This is a variable rate loan with thirty year term. Access to line of credit for first ten years (draw period) followed by 20 year repayment period. Maximum loan amount cannot exceed 80% of the home’s current appraised value less any existing mortgage liens. $25.00 annual maintenance fee to be collected 12 months after funding. Maximum Annual Percentage Rate (APR) is 18% and minimum rate equal to the initial start rate. $450 Early Termination fee will be applied if loan is closed within 3 years. Other terms and conditions may apply. Rates subject to credit approval. Property insurance required. Offer subject to change without notice. Visit www.firstcitizens.org for more Disclosure Information. 2. 48 hour approval contingent on adequate submission of required documents. 3. One time free conversion to fixed rate for the current balance of line. Exercising this option ends line of credit draw period. Interest rate at time of conversion to be equal to Prime Rate published on the last business day of the Wall Street Journal of the prior month of the conversion request date. Payment based on 20 year amortization if converted within first 10 years and Payment based on remaining term if requested in the repayment period.
Our 2020 calendar will feature photographs from the communities where we live. Your photo could be selected to be in our 2020 calendar AND you could win a $40 Visa gift card. Once we choose our favorite 15 photos (12 months in 2020, one month 2021, cover and back), we will head to Facebook to have the public vote which photo will be the cover of the calendar! The cover photo winner will win a $100 Visa gift card!
Acceptable photos: Send us photos of iconic landmarks, scenic or landscape images of our local area. No people in the image. Photos of all 4 seasons are highly encouraged. Photo must be horizontal format at 300 DPI and at a minimum size of 11 inches wide or 3300 pixels x 2550 pixels. JPG format only. We will not accept any photos that are printed or on any portable media device (CDs, flash drives).
How to Enter: Fill out the entire form below and submit to Marketing@FirstCitizens.org with your photo attached. One form per photo must be submitted.