Apply for a new mortgage or refinance your current home between June 3 and June 8

Get up to $2000 off closing costs

May be limited if it results in cash back. See details.*

Call 1-877-812-8859 TTY: 711

Important Disclosures

Offer is available only for applications submitted between June 3, 2022 (12:00 a.m.) and June 8, 2022 (11:59 p.m.), Central time.

Terms, conditions and fees for accounts, programs, offers, products and services are subject to change without notice at any time. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. Offer cannot be combined with other offers, except when applied with specific Community Lending Programs. Offers are not applicable on Home Equity Loans and Lines of Credit. Offer is not available for applications already submitted. Citibank N.A. is not responsible for the obligations of its affiliates.

$2000 Closing Cost Credit: The closing cost credit offer will be applied at closing and may not be used prior to closing. The credit at closing may be reduced in the following circumstances: 1) In Texas, the credit may not result in you receiving cash back on a rate/term refinance, or 2) For all other states, the credit may not result in you receiving cash back on rate/term refinance in excess of $2,000, or 3) For all states, the credit may not result in you receiving cash back on a purchase transaction except for reimbursement for costs paid by the borrower in advance (e.g., earnest money deposit, appraisal, credit report fees, etc.).

Calls are randomly monitored and recorded to ensure service quality.

Current Mortgage Rates

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Rates based on a mortgage in Los Angeles, California.

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Mortgage Type	Rate	APR	Points	Sample Monthly Payment

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Not all services are available to residents of Alaska, Idaho, Montana, Oregon, Rhode Island, Tennessee, Vermont and West Virginia due to state law or regulation.

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What are mortgage points?

You can pay for mortgage points in order to lower your mortgage interest rate. This is often referred to as "paying points to buy down your rate."

Depending on your mortgage type, each point you buy will cost around 1% of your loan amount. For example, if your loan is $250,000, paying 1 point would cost you $2,500. In return, your interest rate will be lowered by less than 1% — typically between .125% and .375%.

Paying points is optional. If you choose to buy points, they will increase the amount you need to pay at closing. Loans without points typically have higher interest rates and lower closing costs.

What is APR?

Annual Percentage Rates (APRs) are the total cost of borrowing money for a mortgage. They're shown as annual rates, and reflect the closing costs, interest, finance charges and points of your mortgage over the loan's full term.

Monthly Payment Details

Based on a $200,000 single-family primary residence in Los Angeles, California with a $150,000 mortgage, your monthly payment would be as follows:

with an interest rate of {{Rates.rate}}%% and {{Rates.points}} points requires 359 payments of and 1 additional payment of $${{Rates.lastMonthlyPayment}}

Payment estimates do not include amounts for taxes and insurance and assume no mortgage insurance is required for the loan. If an escrow account is required or requested to cover any of these items, the monthly payment amount will increase accordingly to include those amounts.

Rate assumptions

The displayed rates and monthly payment estimates assume the following:

The borrower has excellent credit.
A loan-to-value ratio of 75%.
60-day rate lock period for loan application processing.
The displayed interest rates and mortgage products are subject to change and availability. The actual mortgage product you qualify for will depend upon verification of the value of your home, your credit score and other considerations.
The products displayed are based upon customers who have not been late on any mortgage payments, been discharged in bankruptcy, or subject to foreclosure.
All displayed product options are for conventional mortgage products. FHA and VA products are also available. To learn more about these additional product offerings, call one of our experienced mortgage representatives at ( TTY ).

Monthly Payment Details

Based on a $200,000 single-family primary residence in Los Angeles, California with a $150,000 mortgage, your monthly payment would be as follows:

with an interest rate of % and points requires 359 payments of and 1 additional payment of $

Rate assumptions

The displayed rates and monthly payment estimates assume the following:

The borrower has excellent credit.
A loan-to-value ratio of 75%.
60-day rate lock period for loan application processing.
The displayed interest rates and mortgage products are subject to change and availability. The actual mortgage product you qualify for will depend upon verification of the value of your home, your credit score and other considerations.
The products displayed are based upon customers who have not been late on any mortgage payments, been discharged in bankruptcy, or subject to foreclosure.
All displayed product options are for conventional mortgage products. FHA and VA products are also available. To learn more about these additional product offerings, call one of our experienced mortgage representatives at ( TTY ).

Monthly Payment Details

Based on a $200,000 single-family primary residence in Los Angeles, California with a $150,000 mortgage, your monthly payment would be as follows:

Rate assumptions

The displayed rates and monthly payment estimates assume the following:

The borrower has excellent credit.
A loan-to-value ratio of 75%.
60-day rate lock period for loan application processing.
The displayed interest rates and mortgage products are subject to change and availability. The actual mortgage product you qualify for will depend upon verification of the value of your home, your credit score and other considerations.
The products displayed are based upon customers who have not been late on any mortgage payments, been discharged in bankruptcy, or subject to foreclosure.
All displayed product options are for conventional mortgage products. FHA and VA products are also available. To learn more about these additional product offerings, call one of our experienced mortgage representatives at ( TTY ).

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Have questions? Request a call

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