Refinance with confidence

Competitive rates. Personalized guidance. Real savings.

Delivering a standout experience to our clients matters to us.

See how we ranked in the J.D. Power 2025 Mortgage Origination Satisfaction Study.

Lower monthly payments

Refinancing could reduce your interest rate or extend your loan term, helping you lower your monthly payment and free up room in your budget.

Faster payoff

A shorter loan term or improved rate may help you pay off your mortgage sooner, reducing total interest and helping you build equity faster.

Long-term interest savings

By securing a lower rate or shortening the term, you may save thousands over the life of your loan keeping more of your money working toward your financial goals.

Access to cash for things you need

A cash‑out refinance lets you use your home’s equity to fund major expenses like renovations, education costs, or debt consolidation.

Whether you're already a Citizens customer or exploring new options, refinancing now could help you lower your monthly payment, reduce total interest, or pay off your home faster.

Instant Mortgage Quote

Get your refinance rate online in minutes with no credit check, and lock in your rate for up to 90 days.^†

Get a .125% discount

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

No hidden fees

What you see is what you get. No surprise charges and no penalties for paying off your loan early.

Team up with experts

Expert guidance, start to finish. Partner with a loan officer to create a refinance mortgage plan that fits your life and financial goals.

Ready to see your options?

Start your refinance application today and discover how much you could save. Prefer to talk? Call (888) 514-2300 to speak with a mortgage specialist.

Start My Application*

† For additional information, please click the † symbols throughout this page to view our mortgage disclosures.

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 Offers may be withdrawn without notice. Equal Housing Lender.

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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.