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 Offers may be withdrawn without notice.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.

The construction-to-permanent program disclosure: Citizens provides mortgages in the following states: CT, DC, DE, FL, GA, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV.

Purchase-and-sale disclosure: The purchase-and-sale agreement for your new home must be signed within 30 days of rate lock and must close within 90 days of rate lock. NY condo/co-ops are not eligible for any term shorter than 90 days.

Automatic payment discount disclosure: In the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, VT, a Citizens consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a 0.125% rate discount. All other states require a consumer checking account set up with automatic monthly mortgage payment deduction. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply. Checking account must have sufficient funds to cover the mortgage payment amount at time of automatic payment deduction in order to avoid potential overdraft fees and late mortgage payment charges. Please refer to your account agreement(s) for more information.

Destination home mortgage disclosure: The Destination Home Mortgage is available only in Citizens CRA assessment areas and is limited to owner-occupied principal residences. Borrower income limits and property location restrictions apply. Subject to availability of program funds. Funds may have tax implications and Citizens may issue an IRS Form 1099-M. Recipients should consult with a tax advisor.

Grant disclosure: Grant to be used toward down payment, closing costs, and/or prepaids. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply. Funds may have tax implications and Citizens may issue an IRS Form 1099-M. Recipients should consult with a tax advisor.

Pre-qualification disclosure: PRE-QUALIFICATION INFORMATION: You have been pre-qualified for this offer on the basis of information contained in your consumer credit report that indicated you satisfied certain credit worthiness criteria. We will obtain a current consumer credit report and property valuation when you respond to this offer. You must continue to satisfy the creditworthiness criteria used to select you for this offer, meet our standard credit terms and policies, and have verifiable income. Citizens Bank, N.A. reserves the right to approve or decline individual credit applications on the basis of its standard credit terms and policies. Mortgage pre-qualification assumes the amount of the Mortgage is equal to or less than the national conforming loan limits for your area as established by the Federal Housing Finance Agency. All loans are subject to individual approval. Offers may be withdrawn without notice. Please call for more details and best rates in your area.

Eligibility property disclosure: Mortgage must be secured by a first lien on eligible residential real estate property. Eligible properties include owner-occupied 1- to 4-family properties, condominiums, and second homes. Ineligible properties include, but are not limited to, investment properties, cooperatives, mobile homes or manufactured housing.

Sufficient funds disclosure: Sufficient funds must be in your bank account at time of automatic debit.

New York exclusivity disclosure: For New York loans only you may file complaints and obtain further information about Citizens by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting www.dfs.ny.gov. Citizens is not registered with the New York Superintendent of Financial Services.

Wireless disclosure: Wireless carrier, text, and/or data charges may apply.