Think you can’t afford a home – perhaps you should reconsider.
CitiMortgage offers a variety of programs for first time homebuyers, as well as those that need closing cost or down payment assistance.

Take advantage of your employee mortgage benefit, today. Let us help you live the dream of homeownership.

You'll get unmatched, priority service and expert mortgage advice, along with:

	$1,000 credit
	Complete confidentiality
	Hassle-free processing

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

Receive up to $3,000 toward closing costs.
Don’t let closing costs keep you from buying a home. Receive up to $3,000 credit toward closing costs to help you get into the home you’ve always dreamed of.

It’s cash toward closing costs that you don’t have to pay back.

The Closing Cost Advantage Program is perfect for first-time homebuyers or those needing help with the up-front costs associated with buying a home.

Closing Cost Advantage Program Advantages:

	May eliminate or reduce up-front closing costs
	Fixed or adjustable rate mortgage options
	Purchase the home that meets your needs
	No repayment necessary

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

The Closing Cost Advantage Program is subject to certain geographic, income, and property restrictions and may not be used in conjunction with the $1,000 Employee Mortgage Benefit, certain products or any other closing cost promotion. Available for qualified borrowers for homes purchased in low-to-moderate income census tract areas in Bank Assessment Areas in the states of California, New York, Connecticut, Florida, Illinois, Maryland, New Jersey, Texas, Nevada, and Washington D.C. or in majority/minority New York census tracts. Refinances are not permitted. New York credit is limited to 1.5% of the loan amount or the total of the non-recurring closing costs up to a maximum of $2,500. All other eligible markets are limited to the total of the non-recurring closing costs up to a maximum of $3,000. May not be combined with the $1,000 Employee Benefit.

MyCommunityMortgage

If you think buying a home is impossible, think again.
The MyCommunityMortgage program may be the answer you’ve been looking for. The program includes four mortgage options. Take a closer look and find out which option is right for your current needs.

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

MyCommunityMortgageSM (including Community 97SM, Community 100 PlusSM, Community 2-FamilySM, Community 4-FamilySM): MyCommunityMortgageSM is a registered service mark of Fannie Mae. Use of Fannie Mae’s name, trademarks or service marks are for illustration purposes only and do not represent an endorsement of our products and services by Fannie Mae.

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MyCommunityMortgage

Community 97 Advantages - For those who have some cash at hand:

	One-unit, owner-occupied homes
	97% Loan to Value
	Fixed rate
	Borrower contributes 1% of loan amount or $500 from own funds,
	whichever is less
	Balance of down payment and closing costs can come from other
	sources
	In addition, you also receive the Employee Benefit

Community 100 Advantages - For those who need 100% financing:

	One-unit, owner-occupied homes
	100% Loan to Value
	Fixed rate
	Borrower contributes 1% of loan amount or $500 from own funds,
	whichever is less
	Balance of down payment and closing costs can come from other
	sources
	No cash reserves required
	In addition, you also receive the Employee Mortgage Benefit

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Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

MyCommunityMortgage

For those who want to maximize financing on owner-occupied investor units.

Community 2-Family Advantages:

	Two-unit, owner-occupied homes
	95% Loan to Value
	Fixed rate
	Borrower contributes 3%
	Remaining 2% can come from other sources
	In addition, you also receive the Employee Benefit

Community 4-Family Advantages:

	Three-to-four unit, owner-occupied homes
	90% Loan to Value
	Fixed rate
	Borrower contributes 5%
	Remaining 5% can come from other sources
	Two months of cash reserves required
	In addition, you also receive the Employee Benefit

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

Do you make your mortgage payments on time?

Then here's the fast, easy way to refinance & save money.
We know how hard it can be to make ends meet. Refinancing your mortgage is a great way to lower your monthly cash output. Now, we've got an easier way. Home-on-Time focuses not only on your credit history, but also on how well you've handled your current mortgage. So, if you've been paying on time, you may be on your way to lower monthly mortgage payments.

Home-on-Time Advantages:

	No income or asset verification necessary
	Choose either a fixed or adjustable rate loan
	Borrow up to $350,000
	In addition, you also receive the Employee Mortgage Benefit

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

Home-on-Time is limited to borrowers with less than 80% of area median income in CA, NY, CT, FL, IL, MD, NJ, TX, NV and Washington D.C. Additional geographic, income and property restrictions may apply.

HomeRun

Concerned about mortgage insurance?

Your mortgage payments may be lower than you think.
Think homeownership is out of reach? We may have some good news for you. How about a program with flexible qualifying guidelines, low down payment options, and help with closing costs? You'll also save on your monthly payments because mortgage insurance is not required. Take a look at how easy homeownership can be.

HomeRun Advantages:

	3% down payment required
	No private mortgage insurance required
	No cash reserves required
	Closing cost assistance available
	In addition, you also receive the Employee Mortgage Benefit

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

The HomeRun program is available only in Citibank Assessment Areas for loans on the borrower's primary residence and is subject to geographic, income, property, product and other restrictions.

In addition, you also receive the Employee Mortgage Benefit.

We’ll help you cover the rest of the down payment. How? By financing the remaining 1% you need with an unsecured installment loan.

Just $500 down from your own savings.
The CitiAffordable Purchase Assistance Program (CPAP) offers all of the advantages of CAMP – but with two important “extras.”

	Just $500 down from your own savings
	The seller can help you buy your home
	In addition, you also receive the Employee Mortgage Benefit

So if you need a little more help buying your first home, CPAP may be the better choice. We’ll be glad to help you decide what’s best for you.

Ask us if you qualify for the CitiAffordable Purchase Assistance Program.

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.

CitiAffordable Mortgage Program (CAMP) and CitiAffordable Purchase Assistance Program (CPAP) are available to Citigroup employees throughout the United States, and to other borrowers within Citibank Assessment Areas, and are for loans on the borrower's primary residence, and are subject to geographic, income, property, product and other restrictions.

FHA and VA make homeownership easy.
Compared to conventional loans, government-guaranteed FHA and VA loans can qualify you for larger mortgages. Because these loans usually require less cash up front and have flexible guidelines, you may be able to afford more home than you ever thought possible.

FHA/VA Advantages:

	Low or no down payment required
	Seller can contribute up to 6% of sales price
	Flexible credit guidelines
	Gifts and down payment assistance accepted
	Non-occupant co-borrowers accepted
	Streamlined refinance programs that speed the closing process
	Closing costs can be rolled into the loan
	Eligible with the Employee Mortgage Benefit

Questions? Call 1-800-HOMETEAM (1-800-466-3832)* today.