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Home Mortgages

Prepare for buying a home with help from Citizens Bank.

Buying a home is a big undertaking. But our approach is simple. You deserve clear terms. Access to information. And confidence in choosing which home mortgage is right for you. We're here to answer your questions and help make your dream home a reality.

Get your home savings off the ground floor.

Our HomeBuyer Savings® program could earn you a $1,000 credit toward closing costs.

GET THE DETAILS
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30-Year Fixed Rate Repayment Examples

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

This payment example assumes no subordinate financing.

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20-Year Fixed Rate Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=20 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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15-Year Fixed Rate Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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3/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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5/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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7/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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10/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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30-Year Fixed Rate Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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15-Year Fixed Rate Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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3/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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5/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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7/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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10/1 Fully Amortizing ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

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5/1 Interest Only ARM Repayment Examples

#ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Interest Only ARM|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Fixed Rate

Fixed-Rate Mortgage

Our fixed-rate mortgage is ideal if you plan to stay in your home longer term, believe rates may rise, or simply want the stability and peace of mind that your rate will not change. To estimate your rate, use our Custom Rate Quote tool.
Get Started

Product Rate APR* Points Repayment Example
30-Year Fixed Rate #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#
20-Year Fixed Rate #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=20 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=20 Year Fixed Rate|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=20 Year Fixed Rate|ProductAttribute=POINTS#
15-Year Fixed Rate #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#

*Rates listed above are for conforming purchase loans, are effective as of
#ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens Bank 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.

Adjustable Rate

Adjustable-Rate Mortgage

Our adjustable-rate mortgage (ARM) is ideal if you plan to stay in your home for a shorter period of time or have a higher tolerance for rate variability. ARMs generally offer initial interest rates that are lower than most fixed-rate mortgages. The initial interest rate on an ARM starts out fixed for a set number of years, then becomes variable. After that, the rate and payment will go up or down each year as the market value changes. To estimate your rate, use our Custom Rate Quote tool.

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.

Get Started

Product Rate APR* Points Repayment Example
3/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=POINTS#
7/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=POINTS#
10/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=POINTS#

*Rates listed above are for conforming purchase loans, are effective as of
#ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens Bank 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.

Jumbo

Jumbo Mortgages

A jumbo mortgage is required if you need to borrow an amount that exceeds conforming loan limits. The current conforming limit for a single-family home in the U.S. is $424,100 in most places. To estimate your rate, use our Custom Rate Quote tool.
Get Started

Product Rate APR* Points Repayment Example
30-Year Fixed Rate #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#
15-Year Fixed Rate #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#

 

Product Rate APR* Points Repayment Example
3/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=POINTS#
7/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=POINTS#
10/1 Fully Amortizing ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Interest Only ARM #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Interest Only ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Interest Only ARM|ProductAttribute=APR# #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Interest Only ARM|ProductAttribute=POINTS#

*Rates listed above are for portfolio jumbo purchase loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|ProductAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens Bank 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.

Mortgage Discount

Citizens Bank Mortgage Discount

When you're buying a home, every little bit counts. And with the Citizens Bank Mortgage Discount, you'll save 0.125 percentage points off your mortgage interest rate with automatic monthly payment deduction from any Citizens Bank checking account set-up at time of origination.
Only one offer per property and offer is not applicable to Bond or CRA loan programs. Other exclusions or restrictions may apply.

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