Mortgage Resources | Today's Mortgage Rates

Get your rate, and you could lock it in for up to 60 days.^†
These rates and monthly payments are based on a $300,000 mortgage. Lending limitations such as property state and loan amount may apply.

30-Year Fixed Rate

15-Year Fixed Rate

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 - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming purchase 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 - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming purchase 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.

Fixed Rate Loan

Your interest rate doesn’t change over the life of the loan

ARM Loan

An adjustable-rate mortgage (ARM) has interest rates that adjust over time

Jumbo Loan

Use for higher loan amounts

Affordable Loans

Options to put homeownership within reach

Construction Loan

Get your construction & home loan all in one

FHA/VA Loan

Low down payment and fixed-rate loans available

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?

Extra Ways to Save

Find a home using our digital home loan experience, apply online for a mortgage or refinance a loan and get a cash reward!

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Guidance For You

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

Call 1-888-514-2300

First timer? Start here!

When you’re ready to buy your first home, you’ll probably have a lot of questions. There’s really no other purchase like a home, so it’s hard to prepare for this experience.

Check out some common questions for first time home buyers.

Ready for what's next?

From finding your home to managing your loan, we’re ready to help — on your terms.

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

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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.

Apply Now*

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

Get Started

Are you ready?

Think you’re ready to become a homeowner? Take the quiz below!

How much home can you afford?

Before you hit the streets with a realtor, you need to have a good sense of a realistic budget.

Common Mortgage Myths

Understand your home buying options — it’s easier than you think.

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.

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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.

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† 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

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Today's Mortgage Rates