Take the first step toward homeownership.

We’ll walk you through the Mortgage prequalification process, so you’ll know what you can afford.

Get your rate, and you could lock it in for up to 60 days.^† These rates and monthly payments are based on a $300,000 mortgage. Lending limitations such as property state and loan amount may apply.

30-Year Fixed Rate

15-Year Fixed Rate

Save more with rate discounts

Rates shown include 0.125% autopay and paperless discount^†

Save even more when you set up automatic payments from any checking account and enroll in electronic Mortgage billing statements.^†

More information on rates and repayments

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming purchase loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming purchase loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Know what you can afford

Learn what you should expect for a down payment, closing costs and how to make the process as affordable as possible.

Confidently make an offer

After you apply, we'll process your application quickly so you can be ready to make an offer on a home in this fast-moving market.

Team up with experts

Find the answers to all your specific questions regarding the prequalification process by working with our loan officers.
Find a Loan Officer
Call 1-888-514-2300

Our expertise stands out

See what customers are saying about their experiences while working with Citizens for their home loans.

Questions? We’ve got answers.

Top answers to your questions about Mortgage Rates, Affordability, and Down Payments

Many experts recommend that your mortgage payment (including home insurance, property taxes, and any mortgage insurance) be 28% or less of your gross monthly income. For example, if your annual household income is $120,000, your gross monthly income would be $10,000. Therefore, you’d want to keep their monthly mortgage payment to $2,800 or less.

Generally speaking, these five factors play a major role in determining whether you qualify for a home loan, how much you can borrow, and at what interest rate:
1. Debt-to-income ratio
2. Credit history and credit score
3. Employment history
4. Savings Down payment
Click here to learn more.
Fixed-rate mortgages are easy to understand. Your interest rate and monthly payment stay the same throughout the life of your loan. Adjustable-rate mortgages (ARMs) are different.

ARMs have interest rates that adjust over time. Typically, the starting rate remains fixed for a set number of years, such as three, five, or even as much as 10 years. After that fixed period ends, the rate changes periodically, typically on a semi-annual basis. Note: The first scheduled adjustment — after the initial fixed-rate period ends — could increase your monthly mortgage payments.

ARMs can be a popular mortgage choice when interest rates are high. And if you only plan to stay in your home for a few years, they can be an option worth considering as long as you sell your home before the rate changes.

Click here to learn more.
How much should you put down on your new home? The answer can vary depending on the person or people involved. Yes, there are benefits to putting down 20% of a home’s final purchase price, including borrowing less, a lower monthly payment, and no mortgage insurance. However, saving enough to put down, say, $50,000 on a $250,000 home is no easy task. With that in mind, it’s not surprising that the average down payment is just 6% for first-time homebuyers and 14% for repeat buyers.
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† For additional information, please click the † symbols throughout this page to view our mortgage disclosures.

Citizens mortgage disclosure: Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Offers may be withdrawn without notice.

Mortgage state availability disclosure: Citizens provides Mortgages in the following states: CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX***, VA, VT, WV. ***Texas is eligible for purchase transactions only.

Equal Housing Lender.

**By clicking this option, you agree to be redirected to a site powered by Blend and subject to the terms of Blend's Privacy Policy.

Take the first step toward homeownership.

Today's Mortgage Rates

30-Year Fixed Rate

15-Year Fixed Rate

Save more with rate discounts

More information on rates and repayments

Advantage of getting your mortgage prequalified with Citizens

Know what you can afford

Confidently make an offer

Team up with experts

Our expertise stands out

Questions? We’ve got answers.

Connect with top-performing agents in your local market and you could get $350 to $9,500 after close when you enroll with Your Home Rewards from Citizens^®*.

Take the first step toward homeownership.

Today's Mortgage Rates

30-Year Fixed Rate

15-Year Fixed Rate

Save more with rate discounts

More information on rates and repayments

Advantage of getting your mortgage prequalified with Citizens

Know what you can afford

Confidently make an offer

Team up with experts

Our expertise stands out

Questions? We’ve got answers.

Connect with top-performing agents in your local market and you could get $350 to $9,500 after close when you enroll with Your Home Rewards from Citizens®*.

Connect with top-performing agents in your local market and you could get $350 to $9,500 after close when you enroll with Your Home Rewards from Citizens^®*.