HOME LOANS FROM CITI

¹    Calls are randomly monitored and recorded to ensure service quality.

²    HomeRun^® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $832,750. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $832,751 and $1,249,125 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,066,250, or 85% up to $1,599,375 in certain high-cost markets. In addition to home buying education, borrowers of two-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun is not available on cash-out refinance transactions.

³    SureStart® is a registered service mark of Citigroup Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. This offer is not a commitment to lend and is subject to change without notice. There is no charge for the SureStart® pre-approval, but standard application and commitment fees apply.

⁴    Lender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in markets with Citibank branches and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.

⁵    For Home Equity Lines of Credit (HELOC) — No third lien positions. Available to U.S. residents only. A home equity line is available for single family residential properties (including co-ops in New York, Illinois, District of Columbia, New Jersey and Maryland). Home equity lines are also available for 2-4 family homes that are primary residences (excluding Texas). In Texas, home equity lines are only available on collateral properties that are single family, primary residences. Home equity lines are not available for mobile homes or investment properties in any state. 

HELOC Annual fee: An annual fee of $50 during the draw period (not applicable if collateral property is located in Texas) applies. No annual fee will be charged if at the time of the account opening, you are an employee of Citigroup or its subsidiaries. HELOC Closing Costs: For lines of $500,000 or less, Citibank will pay all applicable closing costs. A consumer may choose to pay closing costs in return for elimination of the Early Closure fee and/or to obtain a lower rate (not applicable if collateral property is in Texas). For lines greater than $500,000, the borrower will be required to pay applicable closing costs (not applicable if collateral property is in Texas). 

HELOC Closing Costs: For lines of $500,000 or less (or for applications received on/after 10/18/2026 for lines of $400,000 or less), Citibank will pay all applicable closing costs. A consumer may choose to pay closing costs in return for elimination of the Early Closure fee and/or to obtain a lower rate (not applicable if collateral property is in Texas). For lines greater than $500,000 (or for applications received on/after 10/18/2026 for lines greater than $400,000), the borrower will be required to pay applicable closing costs (not applicable if collateral property is in Texas).

HELOC Early closure fee: If you close your line within the first 3 years, you will be assessed an early closure fee equal to the amount of third-party fees that Citi paid to close your loan (not applicable if collateral property is in Texas). Early Closure will vary based on the property location, the total equity line amount, and other factors. Ask your lending representative for the early closure fee applicable to your situation. 

HELOC & Insurance: Property insurance will be required; flood insurance is required where necessary.

⁶    Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.

Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.