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Home Equity Loan

Turn your current home into your dream home!

Borrow against your home’s value and the equity you have in it to get “everything” you’ve wanted! With a closed-end home equity loan, you'll receive a lump sum and your rate and payments will remain the same for the life of the loan.

A First Citizens Home Equity Loan is great for “everything” like:


Weather proof your house by replacing old windows & siding; Update existing rooms like kitchen or bath; add space for an office or gym; put on a new roof and more!


If you have high balances on personal loans or other debt, you could pay less by consolidating them into a home equity loan.


Things like medical bills, new furniture, once-in-a-lifetime vacation, or an unexpected expense.

PLUS with our Home “Everything” (Equity) Loan you can:
  • Pick the term that works for you.
  • Use it for a one-time large expense - giving you the money you need up front with predictable payments.
  • Know that the great rates we are offering right now can save you money.
  • Check your balance and make a regular payment instantly through our online banking.

What's the Difference?
Home Equity Line of Credit vs. Home Equity Loan

Home Equity Line of Credit vs. Home Equity Loan
  Home Equity Line of Credit (HELOC) Home Equity Loan
Uses your home as collateral Yes Yes
Access your money in Online Banking Yes Yes
Receive your money as a lump sum   Yes
Draw on funds as needed up to your limit Yes  
Can be used again and again Yes  
No penalty for early payoff Yes Yes
Can replace your current home loan    
Ready to Apply?

Home Equity Line of Credit (HELOC)

Apply Online

Home Equity Loan

Apply Online