Ready to refinance

Whatever your refinancing needs, we can help every step of the way

These rates and payments are based on a $300,000 loan amount.

30-Year Fixed Rate

Rate: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=RATE#

APR: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=APR#

Points: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#

Estimated Monthly Payment: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#

15-Year Fixed Rate

Rate: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=RATE#

APR: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=APR#

Points: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#

Estimated Monthly Payment: #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#

Save more with rate discounts

Rates shown include 0.125% autopay and paperless discount^†

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

More information on rates and repayments

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming refinance loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming refinance loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Lower your monthly payment

Current interest rates may be lower than your original mortgage

Cash-out refinance

Access funds from your home’s equity

Change your loan type

Choose a loan type that fits your financial needs today

Competitive Rates

Save even more with a 0.125% rate discount when you set up automatic payments from your Citizens checking account or consumer checking account plus enroll in electronic billing statements for your new home loan.^†

Don't have a checking account with Citizens?

Learn about our checking accounts

Expert Guidance For You

A mortgage refinance from Citizens will get you a great low rate, and our experts will provide personal assistance every step of the way.

Call 1-888-514-2300

First time refinancing? Start here!

There are many reasons why you may want to refinance your home, and we are here to help!

Check out some common reasons to refinance.

Ready for what’s next?

When you refinance with us, you get a loan suited to your needs, expert advice each step of the way, and one of the lowest rates around.

Easily start your journey online, using our digital home loan experience. (You can also get help from a human whenever you need it).

Illustration of woman on a couch looking at a cell phone

Citizens Easy Online Mortgage Application

Watch a video to see how easy it is to apply online.

Ready to Apply?

We’re excited to offer our customers a fast and simple way to apply and qualify for a home loan refinance with our new online application process.

We’ll help you every step of the way. Complete your profile and upload your documents for your new home, all online.

Still have some questions?

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

Find a Loan Officer >

Call 1-888-514-2300

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Could a refi lower your payment?

Find out if and how a mortgage refinance can increase cash flow.

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Could a refi put money in your pocket?

Walk through the financial values and key reasons to consider refinancing.

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Is a cash-out refinance a good idea?

Learn what to consider when making the decision.

Home Loan Originator NMLS Status

Our Home Loan Originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Check your loan originator's status here.

Existing Mortgage Customers

Find information about your existing mortgage account, payment options and ways to contact us. Customer Service Representatives are available Monday-Friday 8 a.m. to 8 p.m. ET at 1-800-234-6002.

Zillow

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

† 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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Zillow Source: zillow.com/lender-profile/CitizensBankNA