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Your Mortgage Refinance

Get Started Now While Rates Are Low!

Are you looking to reduce your monthly mortgage payment, lower your interest rate, finance major home improvements
or pay off your loan sooner? Consider a well-timed mortgage refinance. The tools you need to get started are just one
click away.

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Product Type: 30 Year Fixed 15 Year Fixed
Mortgage Term: 30 Years 15 Years
APR: 4.506 % 3.810 %
Interest Rate: 4.250 % 3.500 %
Points 2.000 1.125

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Mortgage Classroom

Find important mortgage related information and answers to your questions right here. The more you know about the mortgage
process, the better prepared you will be to consider when to refinance.

 

Home Affordable Refinance Program

Find out if you're eligible to take advantage of this government sponsored program.

Are you making your mortgage payments on time but are still unable to refinance and take advantage of today's low mortgage rates?


Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. The changes are designed to allow even more homeowners an opportunity to refinance to a lower rate and shorter term even if they owe more than their home is worth. This program may be an affordable refinance option for homeowners who would not otherwise qualify for a traditional refinance.

Why refinance under HARP?

  • Receive lower rates even if you have little equity in your home. Existing Citi mortgage clients can refinance to a lower rate with no equity.
  • Reduce monthly mortgage payments when you refinance to a lower rate.
  • Save on interest over the life of your loan when you refinance to a reduced term.
  • No mortgage insurance is required on your new loan if none is in place on current mortgage.
  • No property appraisal required in some situations.

You may be eligible to refinance under HARP if:

  • Your existing loan is owned or guaranteed by either Freddie Mac or Fannie Mae. Look up your loan by visiting.
    https://ww3.FreddieMac.com/corporate/ and   http://www.FannieMae.com/loanlookup/
  • The note date on your existing loan delivered to Freddie Mac or Fannie Mae was before May 31, 2009.
  • You are current on your mortgage payment, with no late payment in the past six months and
    no more than one late payment in the past 12 months.
  • You have not already refinanced the same property in the past under the HARP Program.

Check your Eligibility

Find out if you're eligible to take advantage of the Home Affordable Refinance Program.


Check Eligibility

Do you currently have a mortgage with Citi?

Do you have a CitiMortgage.com username and password?

Please sign in to check your eligibility.

In order for us to access your account information, please complete the following information.


*Required Fields

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Home Affordable Refinance Program Request

The Home Affordable Refinance Program is designed to help homeowners refinance to a lower rate and payment, or shorter term, even if they don't have enough equity in their home to qualify for a traditional refinance.

Complete this form or call 1-877-511-7237 to take advantage of the Home Affordable Refinance Program.



Select a Refinance Option

Based on your current mortgage, you may qualify for the refinance options below.
Select the option you prefer.

 
Select One Rate APR Total Payment
 



Complete the Following Questions

Please complete all required fields. Your information will help us determine your refinance eligibility.

 
To be eligible for the instant closing process with no documentation, the borrowers for the new loan must be the same as the borrowers on the current loan.
Also, the borrowers must be owners of the property and meet other eligibility criteria1.



 Individual
 Joint


If you are applying for individual credit, please review the spousal signature requirements at the end of this submission form.
If you are applying for joint credit, complete all sections for Borrower and Co-Borrower.


Borrower Information


First   Middle Initial   Last

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dd

yyyy


Your 10-digit account number can be found on your mortgage statement.
 

Contact Information

 
- -
- -
- -

 

Employment Information



$

(Before Taxes)
- -

Street #    Street name    Apt/Suite #

City

State

Zip
   
Years

Months
 
Married
Separated
Unmarried (includes single,divorced and widowed)
Domestic Partner
 

Co-Borrower Information


First   Middle Initial   Last

mm

dd

yyyy

 

Contact Information

 
- -
- -
- -

 

Employment Information



$

(Before Taxes)
- -

Street #    Street name    Apt/Suite #

City

State

Zip
   
Years

Months
 
Married
Separated
Unmarried (includes single, divorced and widowed)
Domestic Partner
 

 



 

Property Information







City

State



 
 
 
 
 
 
 
Yes
No

 
Yes
No

 
Yes
No

Second Mortgage Information
Yes
No

Company:
 
Is this second mortgage a loan or line of credit?
Home Equity Loan
Total lien amount
$
 
Home Equity Line of Credit
Amount drawn / owed $
Total credit limit $
 



 

Declarations

 

Borrower

Co-Borrower

    YES NO   YES NO  
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 
If  Yes  then provide the following:


 




 

 
 
If  No  then provide the following:
 

 

Provide the monthly rental income for each unit that is currently rented. If a unit is vacant, provide a proposed monthly rental income amount.

Unit 1 $
Unit 2 $
Unit 3 $
Unit 4 $
 
 


 

Government Monitoring Purposes

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, under the Federal regulations this lender is required to note the information on the basis of visual observation or surname. If you do not wish to furnish this information, please check the option below.

Borrower

Race / National Origin Ethnicity
American Indian or Alaska Native Hispanic or Latino
Asian Not Hispanic or Latino
Black or African American
Hawaiian Indian or other Pacific Islander
White

Co-Borrower

Race / National Origin Ethnicity
American Indian or Alaska Native Hispanic or Latino
Asian Not Hispanic or Latino
Black or African American
Hawaiian Indian or other Pacific Islander
White

 



Acknowledge, Agree, and Submit

Please review the following and indicate your acknowledgement, agreement, and acceptance.

I represent to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth under my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this Response Form (the "Loan") will be secured by a mortgage or deed of trust on the property described in this Response Form; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this Response Form are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this Response Form; (6) the Lender, its servicers, successors or assigns may retain the original and/or electronic record of this Response Form, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained herein, and I am obligated to amend and/or supplement the information provided in this Response Form if any of the material facts that I have represented herein should change prior to closing the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this Response Form as an "electronic record" containing my "electronic signature", as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this Response Form were delivered containing my original written signature.


Authorization and Acknowledgement. I hereby authorize Citibank, N.A. to pull my credit report and to investigate and/or confirm my employment and income histories before sending us the Instant Closing Kit. In addition, I acknowledge that any owner of the Loan, its servicers, successors and assigns, may verify or re-verify any information contained in this Response Form or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or consumer reporting agency.



 

1Home Affordable Refinance Program Eligibility Requirements


Thank you for your interest in our streamlined Home Affordable Refinance Offer. We are excited to provide you with this exceptional opportunity.In order to take advantage of our special streamlined offer, you must meet the conditions listed below:

  • The borrowers on the new loan must be the same individuals as the borrowers on the current loan and must be owners of the property. An individual who is an owner of the property but not a borrower will be required to sign certain documents that we believe are necessary to make the property available as security for the loan. In some states we will also require your spouse's signature*.

  • Income from at least one of the borrowers must be from employment/self-employment income, in which case there is no income documentation to provide. If neither borrower has employment/self-employment income, and relies on sources such as retirement, social security or annuity income, borrowers will need to submit income documentation subject to underwriter review.

  • The borrowers may not have any judgments, foreclosures, bankruptcies or liens affecting the property.

  • The borrowers may not be a party to a lawsuit.

  • The property must continue to be your primary or secondary residence, or may be investment property, as reflected on the current mortgage loan. The occupancy of the property must remain unchanged from the occupancy at the time your current mortgage loan was closed.

  • The property must be insured to our satisfaction. In addition, if there have been changes to the property since the origination of your current mortgage loan, you may be required to obtain a survey at your expense, obtain additional insurance coverage (for example, flood insurance) or increase your insurance coverage.

  • Mortgage Insurance may or may not be required, depending on the current mortgage insurance coverage on your existing mortgage loan. If mortgage insurance is required, this offer is conditioned on your continued eligibility for mortgage insurance, including any additional credit guidelines of the mortgage insurance company.

  • Property may not be a co-op hotel, condotel, non-warrantable condo, or a manufactured home (mobile or modular). If the property is a co-op, you are not eligible for this program, but may be eligible for our standard refinance program.

  • Property may not be a leasehold property.

  • Title to the property must not have changed since your current loan was closed (which includes placing property in a trust or executing any type of deed affecting ownership of the property since the time your current loan was closed).

  • The new mortgage loan must be one of the products and its corresponding term, amount, and rate option offered.

  • The new mortgage loan must be a first lien mortgage and subject to satisfactory title examination.

  • Any second lien mortgage on the property must be held by Citibank, N.A., CitiMortgage, Inc., (Home Equity Loan or Home Equity Line of Credit) or other lender who has agreed to cooperate with the streamlined and expedited subordination process.

  • Your escrow account will be reviewed to ensure there are sufficient funds to pay projected tax and homeowners insurance disbursements. In the event your escrow account has a shortage, you may be required to pay any deficiency at closing. You may be able to increase your loan amount to cover the escrow shortage; however this is subject to underwriter review and approval.

  • After further review, we may determine that you no longer meet the eligibility requirements for this offer.

  • If you currently have an adjustable rate mortgage, the monthly payment savings reflect your current monthly payment (and current interest rate) only and do not take into account rate/payment adjustments that may take effect in the near future.

All loans are subject to credit and property approval, which may include minimum FICO score, maximum LTV requirements and verification of employment.

If you do not meet the above Eligibility Requirements, you may still be eligible for other Home Affordable Refinance programs, as well as other standard Citibank mortgage programs. Please call us at 1-800-667-8424 to discuss your available options.

*Spousal Signature Requirements:

Your spouse may be required in the states listed below to sign certain documents that we believe are necessary to make the property available as security for the loan. Please provide your spouse's name if your spouse will be required to sign closing documents.

  • You reside in or the property is located in AZ, CA*, HI, ID, LA, ME*, NV*, NJ*, NM, NC, OH, TX, WA* or WI*.

  • The property is your homestead and is located in AL, AK (or if property is community property), AR, FL, IA, IL*, KS, KY, MI, MN, MS, MO, MT, NE, NH*, ND, OK, SD, TN, TX (or if the property is your community property), UT, VT*, WV or WY.

  • Your spouse is on title to the property and the property is located in CO, CT, IN, MA, OR*, PA or RI. In addition, any other party on title to the property (owners) will also be required to sign certain documents.

*The above spousal signature requirements also apply to domestic registered partners and civil union partners.

State Disclosures:

  • New York properties: This streamlined closing process is conditioned on the new mortgage loan closing utilizing the New York Consolidation, Extension and Modification Agreement ("CEMA") process, and that there are no title or documentation issues that would delay the closing of the loan.

  • Texas properties: Neither the current loan, nor the new loan, may be considered a Texas Home Equity loan subject to Art. XVI, Sec. 50(a)(6) of the Texas Constitution.

  • Illinois, Maine, Maryland, New Jersey, Rhode Island, South Carolina, Virginia, and Vermont applicants : Though your state provides you the right to choose your own settlement service provider, this streamlined refinance offer is contingent on your use of our selected settlement service providers (i.e. closing agent, title insurance provider, etc.).

California Applicants: Under CA Civil Code Section 1812.30(j), credit applications for the obtainment of money, goods, labor, or services shall clearly specify that the applicant, if married, may apply for a separate account.

Ohio Applicants: Equal Credit Opportunity Notice: You are hereby provided the following "Equal Credit Opportunity" notice as required by Section 4112.021 of the Ohio Revised Code. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Massachusetts applicants:

(1) The responsibility of the attorney for the mortgagee is to protect the interest of the mortgagee.
(2) Mortgagors may, at their own expense, engage an attorney of their selection to represent their interests in the transaction.


  » Review additional state disclosures if your property is in FL, MI, NY, VA, or WI.

Loan Origination Company Identifier: 412915


2 The APR numerical calculation is an estimate that assumes your new loan will fund on the first day of the month, and therefore no interim interest will be charged at closing. If your loan does not fund on the first day of the month, your APR will be slightly higher and will include the interim interest that will be collected at closing to cover the gap between your funding date and the 1st payment due date of the new loan.

   

Thank You


We have received your refinance request. Your loan number is:

Your information will be reviewed to ensure all eligibility requirements are met. Once the review is complete, we will contact you
within a few days to discuss the next steps.

We understand the right mortgage is important to your financial future and we look forward to helping you get there.

Questions? Call 1-866-924-5689, option 1

Product Selected

 
Amount Product Rate APR Payment
 

1 The APR numerical calculation is an estimate that assumes your new loan will fund on the first day of the month, and therefore no interim interest will be charged at closing. If your loan does not fund on the first day of the month, your APR will be slightly higher and will include the interim interest that will be collected at closing to cover the gap between your funding date and the 1st payment due date of the new loan.