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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.

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.
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Fixed-Rate Mortgage Products
ProductRateAPR*PointsRepayment Example
30-Year Fixed Rate View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#
20-Year Fixed Rate View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=20 Year Fixed Rate|ProductAttribute=POINTS#
15-Year Fixed Rate View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#

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.

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Adjustable-Rate Mortgage Products
ProductRateAPR*PointsRepayment Example
3/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=POINTS#
7/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=POINTS#
10/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=POINTS#

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

Jumbo Fixed-Rate Mortgage Products
ProductRateAPR*PointsRepayment Example
30-Year Fixed Rate View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#
15-Year Fixed Rate View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Fixed Rate - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#

 

Jumbo Adjustable-Rate Mortgage Products
ProductRateAPR*PointsRepayment Example
3/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=3/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Fully Amortizing ARM|ProductAttribute=POINTS#
7/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=7/1 Fully Amortizing ARM|ProductAttribute=POINTS#
10/1 Fully Amortizing ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=10/1 Fully Amortizing ARM|ProductAttribute=POINTS#
5/1 Interest Only ARM View Rates View Rates #ProductLine=Mortgage|Brand=citizensbank|NAME=Jumbo Adjustable Rate Mortgage - Purchase|Descr=5/1 Interest Only ARM|ProductAttribute=POINTS#

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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      Mortgages are offered and originated by Citizens Bank, N.A. All loans are subject to approval.