Choosing the mortgage that’s right for you

Find a loan and tailor the terms to meet your specific needs

Easier said than done, we know. But there are ways to simplify the homebuying process. That’s because the more we know about you – where you are now, your dreams and aspirations for down the road, and so on – the better the chances we’ll be able to tailor a mortgage that checks all the right boxes – for you.

Fixed-rate loan

Your interest rate and loan payments remain the same for the entire term of your loan. Fixed-rate loans offer stability in fluctuating market conditions and are a good choice if you plan to own your home for a long time.

Variable-rate loan

You have a fixed-interest rate for a set period of your loan, after which interest rates vary based on market rates. You typically will get a low rate for the fixed term — a good thing if you plan on selling the property within the fixed period.

Your mortgage needs can depend on where you’re moving, how long you plan to stay, your projected income and more. We’re here to help you create a loan that’s tailored to your current needs — and supports your long-term goals.
Want to brainstorm a good-fit mortgage for your situation?

How Debt Impacts Homebuying

How to save for a deposit
Are you thinking the time is right to buy your first home? Before you start crafting a budget and thinking about which neighborhood you want to live in, there are a number of major financial facts to consider.

How To Improve Your Credit Score

How to save for a deposit
A good credit score can greatly expand the horizons of your financial life providing, for example, access to better interest rates and more favorable mortgage terms.

Private Bank

The skinny on our rates.
You may be wondering why we don’t publish our rates here. The answer is simple: Because we’re a private bank, we’re able to provide relationship-based pricing in which we tailor our rates on a client-by-client basis. To learn what relationship-based pricing might mean for you, get in touch with a First Republic personal banker today.
Could a mortgage from First Republic help you stand out in a competitive market? In a word, yes. That’s because we’ve worked hard over the years to build a reputation that’s rooted in trust and defined by exceptional service.

1 Eagle Invest is an investment advisory service offered by First Republic Investment Management, Inc., in partnership with FutureAdvisor, Inc. (FutureAdvisor). First Republic Investment Management, FutureAdvisor and Fidelity Investments, Member FINRA/SIPC, are unaffiliated SEC-registered investment advisors. FutureAdvisor is a registered trademark of BlackRock, Inc. or its subsidiaries in the United States and elsewhere.