Repayment Plans

A repayment plan could help you catch up on mortgage payments if you've fallen behind because of temporary financial problems.

How it works

A repayment plan adds a portion of your missed mortgage payments to your regularly scheduled payment each month so you can gradually bring your account up-to-date.

The repayment timeframe is generally up to 12 months, but it depends on the amount due and how much you can afford to pay every month.

Are you eligible?

You could qualify for a repayment plan if:

  • You're at least 1 payment behind on your mortgage.
  • Your financial hardship is temporary.
  • You'll be able to afford your mortgage payment plus your repayment amount each month.

Next steps

Contact Citi if you think a repayment plan 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?

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