[Music plays]

[Woman walks over and sits on the couch next to her boyfriend and then looks at a tablet]

[Couple sits on couch]

[Woman interacts with tablet]

[Boyfriend is watching sports on TV]

>>  WOMAN: Every night it's the same thing with him.

[She looks at him with a smirk]

>>  He just sits there watching sports, with that goofy smile on his face.

[Boyfriend smiles big while watching TV]

>>  Love you Josh, we're all good,

[Pans to boyfriend's bike, skate board and band poster on the wall]

[Woman looks around the apartment]

>>  but I hate this apartment.

>>  THIS is a place I'd LOOOOOOVE to live in.

[Woman zooms in on tablet to see close up of a modern home interior and compares it to her current apartment]

>>  Lots of closet space, a big living room, tons of windows.

[Woman swipes on tablet to see additional interior options.]

>>  I bet it's waaaaaaay out of price range.

[Woman sits tablet on the table]

>>  Are we even ready to buy a home?

[On screen text
Frame 1: Considering a new home? There's a lot to think about...
Frame 2: Location
Frame 3: Lifestyle
Frame 4: Stability]

>>  I love living right downtown. Our friends are just a quick subway ride away, and the commute to work is next to nothing.

>>  Maybe we're good where we are?

[Woman gets up off the couch and walks to closet which is blocked by clutter]

[Woman moves bike from in front of closet door in order to get in]

[Woman opens door and digs through clutter in the closet]

>>  Aaaaand maybe we're not.

[Boyfriend seen watching TV and smiling in the background as girlfriend digs through his clutter]

[Woman sits in front of closet holding a football that has fallen out]

>>  We're buying our own place. One with more storage.

[Woman looks back at boyfriend, shakes her head and smirks]

>>  Most of our friends are buying condos, it can't be that hard.

[On screen text

Frame 1: Buying a home means more than just a mortgage payment.
 • Down payment
 • Closing costs
 • Setting a budget
Frame 2:
Consider a 20% down payment to avoid mortgage insurance.

Frame 3: Closing costs usually make up around 2 - 5% of the purchase price of the home.

Frame 5: Setting a budget
 Mortgage payments won't be your only new expense.
• Utilities
• Taxes
• Insurance
• Home Owners Association fees
• Maintenance costs]


>>  I don't think it'll cost much more than what we already pay for rent. Can it?

[Couple sits on the couch looking enthusiastically at a tablet]

[On screen text
Rent or Buy?
You are not a loan.]

[Music Plays]

[Citi logo]

[Music plays]

[Laptop screen and man's hand writing on a notepad]

>>I knew there'd be some late nights with my new promotion.

[Shots of office supplies on desk]

>> Looks like I'm not the only one.

[Pans out to show desk is actually a kitchen table]

[Pregnant wife sits down at table with papers in hand]

>> We both just need a quiet place to get some work done.

[Daughter plays with blocks at the table]

>> Around here, I guess that means sharing the kitchen table with Belle and her utopian architecture.

>> And everything will get even tighter when Geoff Jr. arrives.

[Wife smiles lovingly at husband]

[On screen text
Frame 1: Looking to upsize? There's a lot to consider...
Frame 2: Space
Frame 3: Schools
Frame 4: Neighborhood
Frame 5: Commute]

>> But there's so much more to think about. Where they'll go to school, how safe the area is, will my drive to work get much longer...

[Man works on laptop, with wife and daughter in view]

>>This place felt enormous when we bought it.

[He looks around]

[Daughter knocks over blocks making a big noise]

[Dad looks up slightly distracted and then smiles]

>> Now, not so much.

>> Rates have changed since we last bought. I wonder if we can afford a bigger place now?

[On screen text
Frame 1:
Evaluating mortgage options will help guide your decision.
• Fixed-Rate Mortgage
• Adjustable-Rate Mortgage

Frame 2:
Fixed-Rate Mortgage
• The rate will never increase
• Typically offered in 10, 15 and 30-year terms
• Makes budgeting easier for the long term

Frame 3:
Adjustable-Rate Mortgage
• Initial fixed rate period with lower monthly payments
• Rate and payment may increase after initial fixed period]

>> Hopefully, bigger doesn't mean too much more money?

[Dad walks over to daughter and plays with building blocks]

[On screen text
 Time to upsize?]
You are not a loan.]

[Music plays]

[Citi Logo]

[Music plays]

[Woman's hand appears holding tablet showing a picture of a modern home]

>>  This one's nice, but the carpet, meh. This one's kind of blah. Oh wow, marble counters in the kitchen.

>>  Nice accent lighting.

[Woman brings tablet closer to compare kitchen on screen to her own]

>>  And those floors are beautiful. Loving this kitchen.

>>  But not this one.

[Woman looks around room in disapproval]

>>  I wonder how much it would cost to reno this home.

[Woman looks around at her current home]

[On Screen text
Frame 1: Wanting to upgrade your home? There's a lot to figure out...

Frame 2: Needs

Frame 3: Neighborhood

Frame 4: Space]

>>  I don't want to put the kids through a big move, but we could all use a little more personal space.

[Daughter enters kitchen]

>>  Even Kayla doesn't want to spend time here anymore.

[Daughter reaches to open cabinet and pulls knob off]

>>  Who can blame her? Everything around here could use an update.

[Daughter closes cabinet door]

>>  The kitchen, the bathroom...

>>  ...the cabinets...

[Daughter rolls knob on the counter to her mom]

[On Screen text
Frame 1: A home equity loan can help pay for home repairs.

Frame 2: A home equity loan can help pay for large expenses.

Frame 3: When considering a home equity line or loan, Citi can help you choose.]

>>  Is moving even an option? I've still got 10 years left on this mortgage.

>>  Maybe it would be worthwhile to renovate and make better use of a more modern space.

[Mom looks at son, shakes head and smiles]

>>  A home reno couldn't cost that much. Could it?

[Music plays]

[On Screen text
Upgrade or Move?
You are not a loan.]

[Citi Logo]