Apply for a Home Mortgage Loan with Citizens Bank.

Buying A Home

You’re making a major investment. It’s only right that we’re invested in you.

Home Buying Facts & Help

Browse the sections below to learn or brush up on the basics of the mortgage process and buying a home.

And be sure to contact a Citizens Bank Home Loan Originator with your questions.

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Deciding to Buy

Know the costs and benefits of buying a home to make the right choice for your situation. Our Home Financing Guide has the facts on what to consider, and information to help you through the home financing process.

And check out these helpful buying tips if you're a first-time home buyer, along with the calculators below:

Rent vs. Buy Calculator

How Much Home Can I Afford?

Tax Savings Calculator

Mortgage Products and Rates

The interest rate stays the same for the entire life of the loan. Your monthly principal and interest payment also stays the same. Learn more about fixed-rate mortgages.

Product Rate APR* Points Repayment


Get Started

Call a Home Loan Originator:

Apply in person:
Find a branch

The interest rate starts out fixed for a set number of years, then becomes variable. After that the rate will go up or down each year as the LIBOR Stands for the London Interbank Offered Rate. The British Bankers Association uses information gathered from a survey of multiple lending institutions to determine LIBOR rates. index changes.

Learn more about ARMs.

Product Rate APR* Points Repayment


  • The initial interest rate on an ARM is usually lower than on a fixed-rate mortgage loan
  • Often considered by borrowers who plan to sell or refinance before their interest rate becomes variable
  • You can save 0.125 percentage points off your interest rate with Circle Gold Mortgage Advantage**
  • We guarantee you'll close your purchase mortgage on time, or we'll pay you $500. Learn more about our On-time Purchase Closing Guarantee
Get Started

Call a Home Loan Originator:

Apply in person:
Find a branch

A jumbo mortgage loan is for loan amounts over $417,000. View fixed and adjustable rates below.


Product Rate APR* Points Repayment


Product Rate APR* Points Repayment


Learn more about fixed vs. adjustable rates

Get Started

Call a Home Loan Originator:

Apply in person:
Find a branch

Explore the other types of mortgages we offer by selecting one of the buttons below.

Citizens Bank offers the following types of affordable mortgage loans:

Federal Housing Administration (FHA) Home Loans

If you have limited financial resources or less-than-perfect credit, an FHA loan might be a good option. FHA loans offer flexible qualifying guidelines and low down payment options. If you have questions or want to discuss your eligibility, speak to a Home Loan Originator at 1-888-514-2300 or learn more about FHA loans.

Veterans Administration (VA) Home Loans

VA loans are available to qualified military veterans and feature a low down payment or no down payment at all. For more information call a Home Loan Originator at 1-888-514-2300 or learn more about VA Loans.

Citizens Affordable Home Loan Program

This loan program is available to low-to-moderate income borrowers and features low down payment requirements. This loan also has more flexible underwriting requirements and offers a low fixed-rate so you have peace of mind knowing your interest rate will stay the same for the life of the loan.

If you would like to learn more about the Citizens Bank Affordable Home Loan Program and see if you are eligible, call one of our Home Loan Originators at 1-888-514-2300

Construction-to-Permanent (C/P)

Building a home or buying a home that needs renovating? We have a mortgage program that covers the financing for construction and the permanent loan for when you’re ready to move in.


  • All the same great features of the C/P program
  • Used for renovation of a home already owned or to purchase and renovate a home
  • Complete tear-downs also eligible

To talk about our home construction loan options, call a Home Loan Advisor at 1-888-514-2300.

Read more about home construction loans

Doctor Loan Program

The Doctor Loan Program is available to licensed physicians and dentists who have completed residency within the last ten years and features low down payment requirements. Medical residents are also eligible.

Tandem Home Equity Program

Our Tandem Home Equity Loan or Line of Credit is closed simultaneously with the first mortgage and enables borrowers who need jumbo financing to save money and avoid mortgage insurance.


We're here to help

Get started online
or call 1-888-514-2300
FRI: 8 AM - 6 PM
SAT 9 AM - 3 PM

Mortgage Servicing:


Find a branch or ATM


Find a Home Loan Originator

search for a local home loan originator in your area


NMLS ID# Search Tool

Access our colleagues' NMLS ID#


Circle Gold Mortgage Advantage

Save 0.125 percentage points off your mortgage interest rate with automatic monthly payments from a Circle Gold Checking Account.

Learn More