Buying a Home

No matter what your homeownership goals are, our expert guidance and online tools are here to support you every step of the way.

Start Mortgage ApplicationLearn about pre-approval

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1-800-248-4638

Today's Buying Rates

Based on a mortgage in Los Angeles, California.

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Rates effective as of 3/9/2016 5:32 PM. Compare more rates.

New and existing Citi customers may qualify for lower interest rates or discounted closing costs on a mortgage.

Budget with our mortgage calculators

Our calculators help you explore your options and determine how much you can afford.

See all mortgage calculators

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Rent or Buy?

Buying a home means more than just a mortgage payment. Let Citi take you through the process, starting with the very first step — figuring out how much you can afford.

Affordability calculator

What you need to know when buying a home

  • What affects your mortgage rate?

    Your credit score and debt-to-income ratio have a big influence on your home loan options and rates. Learn how lenders use them, as well as how you can improve them.

  • Costs of getting a home mortgage

    The purchase of a home comes with other expenses besides the down payment and monthly mortgage payments. Learn about the costs associated with the application process as well as closing costs.

  • How mortgage payments work

    Find out how to set a comfortable budget for your total finances as a homeowner by learning about what goes into a monthly payment.

Start your mortgage application

Prefer to speak with someone?

1-800-248-4638

Mon-Fri: 8:00 AM to 10:00 PM ET and Sat: 9:00 AM to 7:00 PM ET

*The $500 credit at closing may not be applied to the appraisal fee. It may be applied to standard loan costs that are charged at closing and may include customary third-party and government closing costs. Mention offer code 10818 when calling. Offer cannot be combined with any other offer. Offer may be modified or withdrawn at any time without notice. In Texas, the credit may not result in your receiving cash back. Offer not available on home equity loans and lines of credit. If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to see what offer is best for you.

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If you need assistance from a Citi representative, contact us via chat or phone