Mortgage Extensions

An extension may help bring your account up-to-date if short-term financial issues have put you behind on 1 or 2 mortgage payments.

How it works

An extension moves the payments you missed to the end of your mortgage term, usually up to 2 months per extension. Once your mortgage term is extended to include the payments you missed, your account is up-to-date.

Are you eligible?

You could qualify for an extension if:

  • Your temporary financial hardship is over.
  • You've made 1 full mortgage payment within 30 days of requesting the extension.
  • You're no more than 2 payments behind on your mortgage.

Next steps

Contact Citi if you think an extension could help your situation.

Have the following information ready to help speed up the process:

  • Your mortgage statement and other loan information such as payments and balances of second mortgages, auto or student loans.
  • Copies of your 2 most recent pay stubs showing your year-to-date earnings.
  • Your most recent quarterly or year-to-date profit/loss statement, if you're self-employed or an independent contractor.
  • Your most recent personal checking, savings, money market, mutual funds, stock and bond statements.
  • Your most recent tax returns.

Need mortgage help?

Share Your Screen With A Phone Representative

During your call, you may be asked to share your screen for a faster, more efficient experience. If you agree, the phone representative you're speaking with will give you a Service Code to enter below.

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