Mortgages and Refinancing

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

Most popular articles

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Top 6 questions about mortgages

Get 6 frequently asked mortgage questions answered — How much can I borrow? How much will my mortgage payment be? What is Private Mortgage Insurance (PMI)? Find out more!

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Mortgage payment breakdown

It's important to understand what goes into your monthly mortgage payment. Learn about your mortgage payment breakdown, including principal, interest, insurance, and taxes.

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9 mortgage terms to know

Learn about 9 common mortgage terms you should know. Find the best home financing option.

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Is cash-out refinancing a good idea?

A cash-out refinance is when you refinance your mortgage for more than you owe and take the difference in cash.

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A second mortgage could help you realize your dreams

A second mortgage is often referred to as a home equity line of credit (HELOC) or a home equity loan. This streamlined approach can obtain funds you need.

Tools

Mortgage calculator

Use this calculator to look at a variety of possible loans. Use the slider controls to change your monthly payment, loan amount, interest rate or term.

Made ready to buy a home

Use this calculator to look at a variety of possible loans. Use the slider controls to change your monthly payment, loan amount, interest rate or term.

21 unexpected costs of home ownership

Our financial calculators can help you estimate monthly payments, set savings goals, decide between renting and buying, and more.

Ready for the next step?

Check today's home mortgage rates. Explore our 15- and 30-year home mortgage rate options to find the one for you.

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More articles

What you should know about mortgage closing costs

Closing costs such as application processing and title fees are a normal part of the home-buying process. Citizens can help you learn about mortgage closing costs and how much you'll pay.

What to know about mortgage down payments

A 20% down payment has advantages like avoiding mortgage insurance, but there are other options. Learn about down payments and how much is required.

Home construction loans 101

Thinking about building your dream home? A home construction loan may be a good option for you. But there's a lot to consider. Learn more on everything construction loans and if they're right for your situation.

Refinancing could put more money in your pocket

As a homeowner with a mortgage, the topic of refinancing comes up. Understand the common reasons for refinancing and what's involved in the process.

9 Things to do before making an offer on a house

Buying a home is a financial commitment, so do your homework and make an offer. See our checklist to see what's needed when making an offer on a house.

Refinancing an investment property

Learn how refinancing an investment property could help pay off debt or other large expenses you may have.

Home inspection checklist

Find out what an official home inspection checklist looks like and tips on how to find a trusted inspector.

What to know about mortgage insurance

Saving for a 20% down payment can be difficult. While mortgage insurance is an extra monthly cost, it could be the reason you move into your dream home sooner than planned.

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960).

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.

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