Select a Refinance Option

 

Select One	Mortgage Type	Rate	APR	Total Payment
Please select a mortgage type.

 

  Complete the Following Questions

 

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.

Do you want to apply for individual or joint credit?

 Individual
 Joint

Please select Individual or 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

Name First   Middle Initial   Last Please enter the Primary Borrower's name.

Date of birth /  mm /  dd yyyy Please enter a valid date of birth using the mm/dd/yyyy format. Residency status? U.S. Citizen Permanent Resident Applicant Non-Permanent Resident Applicant Non-Resident Applicant Please indicate residency status. Citi mortgage account # Your 10-digit account number can be found on your mortgage statement.

Contact Information   Please provide at least one valid contact number. Home phone number - - Work phone number - - Cell phone number - - Preferred contact number is Select One Home Phone Work Phone Other / Mobile Phone Please select your contact number preference. Email address Please provide an email. Please provide a valid email.

Employment Information Citigroup employee? Yes No Please indicate Yes or No. Self-employed? Yes No Please indicate Yes or No. Monthly employment income $ (Before Taxes) Please provide monthly employment income. Employer name Please provide employer name. Employer phone number - - Please provide employer phone number. Employer address Street #    Street name    Apt/Suite # Please provide employer address. City Please provide employer city. Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Please provide employer state. Zip Please provide employer zip. Time with employer     Years Please provide years of employment. Months Please provide months of employment. Please provide months of employment between 0 and 11.

Marital Status Married Spouse's name Please provide spouse's name. Separated Unmarried (includes single,divorced and widowed) Domestic Partner Please indicate current marital status.

Co-Borrower Information

Name First   Middle Initial   Last Please enter the Co-Borrower's name.

Date of birth /  mm /  dd yyyy Please enter a valid date of birth using the mm/dd/yyyy format. Residency status? U.S. Citizen Permanent Resident Applicant Non-Permanent Resident Applicant Non-Resident Applicant Please indicate residency status.

Contact Information   Please provide at least one valid contact number. Home phone number - - Work phone number - - Cell phone number - - Preferred contact number is Select One Home Phone Work Phone Other / Mobile Phone Please select your contact number preference. Email address Please provide an email. Please provide a valid email.

Employment Information Citigroup employee? Yes No Please indicate Yes or No. Self-employed? Yes No Please indicate Yes or No. Monthly employment income $ (Before Taxes) Please provide monthly employment income. If there is not any income to report, you may enter a zero. Employer name Please provide an employer name. If the co-borrower is not employed, please enter, "None". If the co-borrower is retired, please enter "Retired". Employer phone number - - Please provide employer phone number. Employer address Street #    Street name    Apt/Suite # City Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Zip Time with employer     Years Please provide years of employment. Months Please provide months of employment. Please provide months of employment between 0 and 11.

Marital Status Please indicate current marital status. Married Spouse's name Please provide spouse's name. Separated Unmarried (includes single, divorced and widowed) Domestic Partner Please indicate current marital status.

 

 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

• 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.
  
  

• 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.).
  
  

(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.

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.