Home Loan Center
Ryan Venz
Vice President, Real Estate Lending
300 North Main Street
Charles City, IA 50616
Charles City, IA 50616
Office: 641-257-5052
Fax: 641-228-5340
Fax: 641-228-5340
Email: ryan.venz@myfcb.bank
Loan Advisor Registry Number – 1633623
Business Hours: Monday through Friday 8:00 a.m. - 5:00 p.m.
“If you
are an existing bank customer or are new to First Citizens, I want to make sure
we go above and beyond to meet your expectations in any financial transaction.
The real estate lending process can be overwhelming, however, I want you to
know I will be here by your side each step of the way to make sure the process
is simple and your dreams become a reality. If you have any questions,
please feel free to contact me. I look forward to working with you.”
First Citizens Bank Benefits
Apply online on your own time!
Want hands-on assistance?
You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
Free Pre-approvals
We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Advisor is always just a call or e-mail away!
Today's Rates
| Mortgage Loans | ||
| 30 Year Fixed Rate Freddie | ||
| Rate | APR | Points |
| 7.250% | 7.382% | 0.000% |
| 15 Year Fixed Rate Freddie | ||
| Rate | APR | Points |
| 7.000% | 7.211% | 0.000% |
| 10 Year Fixed Rate Freddie | ||
| Rate | APR | Points |
| 6.875% | 7.169% | 0.000% |
| Home Possible | ||
| Rate | APR | Points |
| 7.000% | 7.130% | 0.000% |
| Construction Loan | ||
| Construction Loan Special | ||
| Rate | APR | Points |
| 6.375% | 8.977% | 0.000% |
| In House Special | ||
| 10-Year Fixed - Special | ||
| Rate | APR | Points |
| 6.880% | 7.105% | 0.000% |
| Bridge Loan | ||
| Bridge Loan | ||
| Rate | APR | Points |
| 7.000% | 7.144% | 0.000% |
APR as Annual Percentage Rate
Click on the Rate to see additional disclosures
