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Special offers just for employees

Whether you're purchasing a new home or refinancing, Citi offers great mortgage benefits. You can choose between:

Employee Mortgage Discount


Closing cost credit


(.125) off interest rate


Employee Mortgage Relationship Pricing


(.25) off interest rate with Citi Eligible Balances of $1 - $499,999.99


(.375) off interest rate with Citi Eligible Balances of $500,000 - $999,999.99


(.50) off interest rate with Citi Eligible Balances of $1,000,000 - $1,999,999.99


(.625) off interest rate with Citi Eligible Balances of $2,000,000 or more

Relationship Pricing Requirements

  • Benefits cannot be combined with other offers or incentives
  • Eligible Balances will be verified after final loan approval (see Terms and Conditions for timing of verification, which varies by account type)
  • Closing costs credit and interest rate benefits require a Citi Deposit Account and automated drafting of the mortgage payment from the account
  • The balances used to determine the benefit will be what remains after any down payment and closing costs for the mortgage transaction

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Important Terms and Conditions

Employee Mortgage Discount Benefit Employee may choose from standard employee discounts of either $1,000 off closing cost or 0.125% off interest rate. However, the employee discount benefit may not be combined with the Employee Mortgage Relationship Pricing Benefit. The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back.

Employee Mortgage Relationship Pricing Benefit A Citibank deposit account is required to receive the interest rate discount. Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval.

Citi Eligible Balance
Employee Mortgage Relationship Pricing Benefit

$1 - $499,999.99

0.250% off interest rate

$500,000 - $999,999.99

0.375% off interest rate

$1,000,000 - $1,999,999.99

0.500% off interest rate

$2,000,000 or more

0.625% off interest rate

Deposit Account Balances must be in the account five (5) Business Days following final loan approval and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal, consumer Citibank Deposit Account in which the borrower is a direct signer, Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. ("CGMI") accounts. The borrower must be an account holder on investment accounts. IRA and annuity positions shown on linked CGMI Account statements are eligible (except tax qualified annuities under sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank Business / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial type accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded. If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to discuss which offer is best for you. Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank mortgage relationship pricing is subject to change without notice.

Glossary of terms for this offer: Business Day means Monday through Friday and does not include federal holidays. Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs. Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts. Investment Account means IRAs and investments held in Citigroup Global Markets Inc. accounts.

Closing cost credit will be applied at closing. It may be applied to origination fees and standard customary third-party and government closing costs. In Texas, the credit may not result in your receiving cash back. Offers are not applicable on Home Equity Loans and Lines of Credit. Investment products are offered through Citigroup Global Markets Inc. ("CGMI"), Member SIPC ( Citibank and CGMI are affiliated companies under the common control of Citigroup Inc. Terms, conditions and fees for accounts, programs, products and services are subject to change. Offer cannot be combined with any other offers. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.


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