Personal

Consumer Loans

All loans are originated and serviced by First Carolina Bank, which allows us to tailor our product offerings to better suit your needs!

First Carolina Bank NMLS: 529977

Let us help you

Loan checklist

Home Mortgage Lending

Whether you’re looking to purchase a new home, improve an existing property, or refinance or cash out, we can help with it all.

Home Equity Lines of Credit (HELOC)

On primary and secondary homes up to $2,000,000, we can assist with home equity lines of credit. Additionally, under certain conditions, we offer second lien position lines.

Construction-Permanent Loans

Our construction-perm loans for both primary and secondary residences have a one-time close, and you will only be responsible for interest payments during the construction phase. Jumbo loans with attractive rates are also available.

Land Loans

A variety of land types are eligible for our land loans, including residential lots and raw land.

Condo, Townhouse, and Condotel

This category also includes non-warrantable condominiums as well as barndominiums that serve as a primary or secondary residence. We do not require a condo questionnaire.

Manufactured Home with Land

We can finance loans up to $250,000 for primary or secondary residences on a permanent foundation.

Non-Real Estate Secured Loans

Overdraft Line of Credit
Unsecured Loans
Auto & Boat Loans
CD & Stock Secured Loans

Personal Checking Account

If you're looking for a no-hassle checking account for personal use, we have just the product for you!

Learn more

Our Process at a Glance

Loan Checklist

Your First Carolina Bank loan officer will provide you with a blank personal financial statement and application to be completed. They can help you with completing these documents.

Copy of your driver’s license (or current NC State ID, Military ID, or Passport)
Your most recent two years of tax returns
Your most recent two pay stubs as proof of income
Completed personal financial statement dated within the last 12 months
Your signed purchase agreement/contract

If you own a business, we’ll also need the most recent two years of business returns (e.g., 1120, 1120S, Schedule K-1, 1065). Please include all pages and schedules.

We may need additional documents later in the process. If so, we will let you know. When you have completed the loan application, please email it to your banker or fax, mail, or drop off the application and all other pertinent information to the following:

First Carolina Bank
Attn: Mortgage Lending
171 N. Winstead Ave.
Rocky Mount, NC 27804

Phone: (252) 937-2152
Fax: (252) 937-4567

Should you have any questions or concerns, please feel free to contact one of our lending staff members, and they will be glad to assist.