Let us help you find a pathway to homeownership.
“My banker and I have built a true relationship. That’s why I highly recommend First Republic.”
TANISHA TUCKER
CLIENT SINCE 2018
At First Republic, our goal is to serve our communities as fully as possible. That’s why we’re working to make homeownership a reality for more individuals in our communities. Our Eagle Community Home Loan Program offers attractive rates for purchasing or refinancing in designated areas.1
Rates as low as
4.80
%
APR2
With discounts
Rate is subject to change.
Not all properties are eligible.
Discover the benefits of an Eagle Community Home Loan.
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Access to dedicated Relationship Manager
You’ll work with a Relationship Manager dedicated to recommending the right loan for you.
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In-house loan processing
Decisions are made in-house for a more convenient and efficient process.
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Competitive fixed rates
We offer attractive interest terms with no prepayment penalties.
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Lender credit
To help reduce your closing costs, we offer a $4,000 lender credit.3
Our Eagle Community Home Loan Program has offerings available for members of our communities who are low-to-moderate income. To learn more, please connect with a First Republic Relationship Manager.
Resources for new homeowners
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A Quick and Easy Guide to Home Mortgages
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A lifetime of goals
Learn how to build a strong financial future for your lifetime goals.
Take the next step.
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1 Not all properties are eligible. Property must be located within a designated First Republic Bank census tract and secured by a 1–4 unit residential property that is owner occupied. Available for loan amounts up to $1,000,000, first lien only. Contact a Relationship Manager for details and to determine if your property is eligible for the Eagle Community Loan Program. This is not a loan approval or commitment to lend. Loans are subject to the Bank’s underwriting standards and verification of the documents provided. Applicant must submit a complete loan application to a First Republic Relationship Manager. This can be done in person at any First Republic Preferred Banking Office, by mail or submitted online using our Lending Hub digital platform. Please reach out to a First Republic Relationship Manager to request an appointment to review.
2 Annual Percentage Rate (APR). Rates effective as of 01/03/2023, and are subject to change. To be eligible for this special rate, applicant must maintain a First Republic ATM Rebate Checking® or Basic Checking account (minimum opening balance and monthly fees may apply) with automatic loan payment, direct deposit and Banking Online. Otherwise, the rate will be 0.30% higher than listed. Your APR could vary based on your final loan amount and finance charges.
Payment example: Based on a loan amount of $1,000,000 and a down payment of 25%, and at a simple interest rate of 4.75%, with a corresponding APR of 4.80%, the borrower would be responsible for 360 payments of $5,216 over the course of the 30-year term. The payments shown here are calculated on the basis of principal and interest only and do not include private mortgage insurance (PMI), taxes, insurance or other applicable escrows.
3 You will be responsible for any closing costs over the $4,000 credit provided by First Republic Bank. Clients who have had closing costs waived within the last 12 months for the same property address through an Eagle Community Home Loan Program are not eligible. Please contact your First Republic Relationship Manager for details.
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