Home Mortgages and Lending with Total Transparency
Whether buying your first home, refinancing to lower your monthly payments, or accessing equity for home repairs, Firstwick Bank provides competitive rates with zero surprise fees and guidance from dedicated California loan officers.
Need Help Exploring Mortgage Options or Refinancing?
Our dedicated home lending team walks you through rates, down payments, and closing costs with patience. Call us toll-free at 1-800-FIRST-WICK (1-800-347-7894).
Interactive Mortgage & Payment Calculator
Estimate your monthly payment including principal, interest, California property taxes, and hazard insurance.
*Estimated payments include principal, interest, ~1.1% California average property tax, and $120/mo hazard insurance.
Principal & Interest portion: $3,237
Home Loan & Credit Programs for Every Stage
From buying a first home to tapping equity or refinancing high-rate debt, our loans are designed to keep you financially secure.
Home Purchase Mortgages
Lock in predictable monthly payments with our standard 15-year and 30-year fixed rate loans. Down payments starting as low as 3% for qualified first-time buyers.
Mortgage Refinance
Lower your monthly payment, shorten your mortgage term, or access built-up home equity with a Cash-Out Refinance to fund family home improvements or medical expenses.
Jumbo Home Financing
California real estate often exceeds standard conforming loan limits. We offer customized Jumbo mortgages up to $3,500,000 with flexible asset qualification.
Personal Lines of Credit
A flexible financial safety net. Borrow what you need, pay interest only on what you use, and reuse the line as you pay it down without reapplying.
Auto Loan Refinance
Did dealership financing saddle you with an 8% or 10% interest rate? Cut your auto loan rate in half and lower your monthly car payment with Firstwick.
Our Rate Lock Guarantee
Worried about interest rate spikes before you close? Our 60-day Rate Lock Guarantee protects your quoted rate while allowing a one-time "float down" if rates drop.
Your Pre-Approval Checklist
Getting pre-approved is straightforward. Have these three items ready, and our local lending specialists will guide you through the rest.
Income Verification
Your most recent 30 days of pay stubs, pension statements, or Social Security annual award letters, plus your last two years of W-2s or 1099s.
Account Statements
Two months of bank statements showing where your down payment or closing reserves are held. (Firstwick balances are verified automatically!)
Valid Photo ID
A clear copy of your state driver's license, Real ID, or US passport for standard security identification.
