Home ownership

From buying your first home to using your home’s equity to reach your goals, you’ll find tips and guidance to help you navigate your journey of home ownership.

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Mortgages and refinancing

Expertly navigate your home loan by knowing the terms, estimating your payments and understanding the mortgage application and refinancing processes.

Home ownership and renovations

Thinking about home improvements? We have project ideas and savings tips — plus all you need to know about financing home renovations.

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Home equity line of credit (HELOC)

Your equity in a home can be a powerful tool for reaching your financial goals. Learn about how HELOCs work and what they can help you accomplish.

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What is a Home Equity Line of Credit (HELOC)?

Learns the basics of a HELOC and how you can use your home's equity to fund your financial goals.

Learn more

Is a cash-out refinance a good idea?

A cash-out refinance loan (or cash-out refi) is when you refinance your existing mortgage for more than you owe and take the difference in cash. Learn about this at Citizens.

6 popular spring renovation projects and how to finance them

Thinking about sprucing up your home? Check out some renovation ideas to get you started — plus find out how you can fund your project.

Before buying a home, learn your mortgage ABCs

The amount you pay each month is a combination of mortgage principal, which reduces your balance and accumulated interest. Find out more with Citizens.

5 home improvement ideas to add value and maximize space without buying a new home

Your home reflects your personal style, but you can't always start with a blank canvas. Here are five home improvement ideas to create a dream space.

Ready to apply?

We’ll help you every step of the way via our online application. Complete your profile and upload documents for your new home loan all online!

Home Equity Line of Credit (HELOC) with Citizens FastLine®

Meet Citizens FastLine®- a faster, smarter, better way to finance your next project. Apply online with no impact to your credit score and get a personalized offer in under 2-3 minutes with cash in as little as 2 weeks!

Have questions?

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for you.

Still have some questions?

Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them.

Disclaimer: The information contained herein is for informational purposes only as a service to the public and is not legal advice or a substitute for legal counsel. You should do your own research and/or contact your own legal or tax advisor for assistance with questions you may have on the information contained herein.

Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. (NMLS ID #433960)