Xcitie Bank Home Loans

Helping you turn your dream home into reality

Our Home Loan Options

Choose the loan that fits your budget and lifestyle.

Fixed Rate Loan

Fixed-Rate Loan

Lock in your interest rate for predictable monthly payments.

  • Stable monthly payments
  • Available in 15- or 30-year terms
  • Great for long-term homeowners
Apply Now
Adjustable Rate Loan

Adjustable-Rate Loan

Lower initial rates with adjustments over time—perfect for short-term stays.

  • Lower starting interest rate
  • Adjusts annually after fixed period
  • Ideal for short-term homeowners
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First Time Buyer

First-Time Buyer Loan

Special programs to help you get into your first home with ease.

  • Low down payment options
  • Flexible credit requirements
  • Expert guidance throughout
Apply Now

Why Choose Our Home Loans?

Competitive rates, flexible terms, and dedicated mortgage specialists to guide you every step of the way.