"The best way to predict the future is to create it"

At First City Bancorp we are creating the future in the mortgage industry through our new SWAN Loan® products — "Sleep Well At Night" loans. No longer do you have to be worried about the future of your loan. These thrilling loans represent a "new paradigm" in mortgage loans. The SWAN Loans have been developed in cooperation with some of the nation's leading mortgage investors after years of diligent market analysis of what borrowers really want in their mortgage — low affordable payments with secure fixed rates for a wide range of customers.

It doesn't stop with just our SWAN Loan products; it takes more to be a leader in this industry. We not only strive to offer new and innovative products but also at discounted — near wholesale — rates directly to the public. We simply want to offer the best available rates directly to the "end user".

It's not just the SWAN Loan and low rates that we offer, but we then add very experienced loan professionals that know how to structure a loan uniquely for your needs and wants. We take special pride in possessing highly skilled loan agents for your mortgage process.

It doesn't stop there with products, pricing, and people — we also add leading edge technology. Our technology not only makes the initial application process simple and easy but "behind the scenes" — where the processing and underwriting of your loan actually takes place — our technology streamlines the process to ensure a timely approval of your mortgage and expedient close of escrow.

The real estate industry is a very dynamic and ever changing business, and those that don't stay abreast of these changes are simply left behind. Our technology allows us such that within thirty minutes of applying on-line, we can issue a full conditional loan approval.

Borrowers can decide to lock their interest rate on-line via our web site, or simply picking up the phone and calling us. Our rate lock policy is free, and we require no up-front fees for applying or locking a loan.

Our site can allow clients to be notified when a specific rate is available in the future via email when it comes available.

Our free on-line monthly newsletter provides clients with valuable information on market trends and analysis so they can better manage and plan for their future mortgage needs.

I encourage you to search our web site, but more so to contact us directly, because it's the personal touch that really matters.

Joe Atab
President and CEO