Products & Services

Mortgages

Buying a home can be easy
Purchasing a home can be stressful, but not with Citi's Mortgage Benefit Program. Through your enrollment in Citi at Work, we will help you get the home financing assistance you need.

$750 mortgage discounts or on time closing guarantee

What you get

Clients with a checking account in The Citibank^® Account Package will receive $500 off closing costs¹
Clients with a checking account in The Citigold^® Account Package qualify for closing costs credits up to $2,500 or mortgage rate discounts up to .375% based on the relationship balance.²
On-time Closing Guarantee – if you are purchasing a home we guarantee you will close on time or you get $1500 towards closing costs³
Special Financing for first time homebuyers

Competitive rates

See examples of current rates and explore the loans available where you live

Wide range of mortgages

Fixed Rate and Adjustable Rate Mortgages
Combination mortgages
Conventional and Jumbo Loans
Interest-only mortgages
FHA/VA Mortgages

SureStart® pre-approvals⁴

Get a pre-approved loan commitment so you can shop with confidence

How to take advantage of this offer

Or call: 1-800-353-7989**

Exclusive Citi at Work Offer

	This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs.
1	The Citibank Account Package is subject to standard account terms and conditions, including balance requirements and fees. Ask for details. Subject to loan approval. The Credit at Closing may not be applied to the application fee. It may be applied to closing costs for the loan which include (1) appraisal fee and (2) customary third-party and government closing costs. Offer ends 3/31/2012.
2	The Citigold Account Package is subject to standard account terms and conditions, including balance requirements to avoid fees. Ask for details. Actual interest rate discount and closing costs credit will depend on the level of your post-close Citi assets. Customers must sign up for the automated monthly debit of the mortgage payment from a Citi deposit account at closing. Subject to loan approval. The Credit at Closing may not be applied to the application fee. It may be applied to closing costs for the loan which include (1) appraisal fee and (2) customary third-party and government closing costs. Offer ends 3/31/2012.
3	If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citi, you will receive a credit towards closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs, and government loans. In Texas, the credit may not result in your receiving cash back. ( Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3 business day waiting period.)
4	SureStart® is a registered service mark of Citigroup, Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. Waived lender fees include the application, commitment, tax service, credit report, flood certificate and appraisal fees. There is no charge for the SureStart pre-approval, but standard application and commitment fees apply.
**	Calls are randomly monitored and recorded to ensure service quality.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Terms, conditions and fees for accounts, products, programs and services are subject to change.

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What you get

How to take advantage of this offer

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