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Temporary Home Equity Changes

Citi is temporarily no longer accepting Home Equity Line of Credit (HELOC) and Fixed Rate Home Equity Loan applications. This includes requests for credit line increases This change is the result of current market conditions and gives us the opportunity to improve our home equity products and services. It does not affect our continued commitment to offer these products in the future.

If you want to lower your monthly payment or access your home's equity, our mortgage refinancing options may help you reach your goals.

If you applied for a HELOC or Fixed Rate Home Equity Loan before March 3, 2021, we will continue to review your application. To check your application status, you may call us at ( TTY ).

Frequently Asked Questions

Q: Why is Citi no longer accepting applications for Home Equity Lines of Credit (HELOCs) or Fixed Rate Home Equity Loans? A: Due to current market conditions, we are temporarily no longer accepting HELOC or Fixed Rate Home Equity Loan applications. If you want to lower your monthly payment or access your home's equity, our mortgage refinancing options may be helpful to you.

Q: What if my application is already in process? A: We are processing all applications, including credit line increases, received before March 3, 2021. This includes eligibility review, processing and funding if the loan is approved and conditions are fulfilled. To check your application status, you may call us at ( TTY ).

Q: What if I was referred to a Banker or Home Lending Officer but haven't completed an application? Can I still apply after March 3, 2021? A: We are not able to accept any HELOC or Fixed Rate Home Equity Loan applications, including credit line increases after March 3, 2021. We will work with you to see if other options may be available that could meet your needs, including a cash-out refinance.

Q: I need to refinance my existing HELOC or Fixed Rate Home Equity Loan. Can I still apply? A: We are not able to accept any HELOC or Fixed Rate Home Equity Loan applications after March 3, 2021. We will work with you to see if other options may be available that could meet your needs, including a cash-out refinance.

Q: When will Citi start taking HELOC and Fixed Rate Home Equity Loan applications again? A: We will begin accepting new HELOC and Fixed Rate Home Equity Loan applications again after market conditions change.

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