Explore affordable home loan options

With HomeReady^®, you'll be surprised how little cash you need to buy a home. We're excited to offer you this special Fannie Mae mortgage program that features low down payment requirements.

Here's how HomeReady^® works for you:

• Down payment requirements as low as 3% for fixed rate products and purchases of single-family primary residences
• Flexible underwriting guidelines
• Reduced mortgage insurance coverage requirements for financing greater than 90%
• Gift funds from acceptable sources and seller contributions allowed
• Competitive interest rates

Home buyer education is required for at least one borrower and income limitations apply. To learn more about this product or any others that Citizens has to offer, contact one of our loan officers.

With our Destination Home Mortgage program, it's easier to buy a home with less money down.^† This affordable home loan program allows you to put as little as 3% down for 1-2 units and as low as 5% down for 3-4 units.

Additional features include:

• Community assistance may be available towards down payment and closing costs (based on eligibility). Ask a mortgage loan officer for details.^†
• No monthly private mortgage insurance (PMI) premiums.
• No income limits when buying in a low-to-moderate income area.

Also, we offer a 0.125% discount off mortgage interest rate when monthly payments are automatically deducted from a Citizens checking account and enrollment in electronic statements.^†

Speak with a mortgage loan officer at Citizens to learn more about the benefits of the Destination Home Mortgage.

At Citizens, we're pleased to offer mortgages that allow you to put as little as 3% down. You may qualify for home financing even if you don't have enough saved for a typical down payment, or even if you just want to keep more of your money on hand.

Some of the great benefits include:

• Up to 97% financing for primary home purchases.
• Fixed interest rates.
• No borrower income limits.
• We're pleased to offer mortgages that require a down payment as low as 3%.
• Available for both purchase and refinance.

When you're ready to start looking for a home, we're here to walk you through the details and to help make the mortgage process clear and stress-free.

To learn more about this product or any others that Citizens has to offer, contact one of our loan officers.

This program is one of Massachusetts' most affordable mortgage programs for low- to moderate-income first time home buyers. We help eligible homeowners take advantage of:

• A discounted interest rate: Get the stability of a fixed interest rate that's below market rates, with no points charged to the homeowner.
• Low down payment requirement: Only 3% of the purchase price. A portion of the down payment can include gifts from eligible sources. At least 1.5% (or a minimum of $1,500 on purchase prices below $100,000) must be your own money.
• No private mortgage insurance (PMI): Save money by avoiding costly monthly mortgage insurance payments.
• Interest subsidy: Income eligible buyers may also qualify for a subsidy to help pay part of the mortgage payment during the first seven years of homeownership.

To be eligible for this program, the home you're buying must be located in Massachusetts and used as your primary residence. First-time home buyer education is required and income limits apply.

To learn more about this product or any others that Citizens has to offer, contact one of our loan officers.