Select a Refinance Option
Based on your current mortgage, you may qualify for the refinance options below.
Select the option you prefer.
Mortgage Type Rate
Complete the Following Questions
Please complete all required fields. Your information will help us determine your refinance eligibility.
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.
Government Monitoring Purposes
The following information is requested by the Federal
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.
Acknowledge, Agree, and Submit
Please review the following and indicate your
acknowledgement, agreement, and
I represent to Lender and to Lender's actual or potential agents,
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,
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
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.
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:
All loans are subject to credit and property approval, which may include minimum FICO score, maximum LTV requirements and verification of employment.
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.
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.
*The above spousal signature requirements also apply to domestic registered partners and civil union partners. 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.
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.
(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:
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.