GET A RATE QUOTE
REFINANCE
Get up to $500 off closing costs
when you apply for a refinance1
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Refinance a Loan
One of our experienced mortgage specialists will contact you shortly. For ease of reference during your call, use offer code 14831.
Take a moment to review a checklist of the documents you’ll need moving forward.
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Refinance a Loan
There was a problem with your submission. Please review and try again.
Offer Code: 14831
Phone Number: 877-812-8858
By selecting "Submit", I consent to the following and agree to be contacted by Citibank, N.A. at the telephone number I have provided:
By providing us your telephone number, you are providing express “written” consent for Citibank, N.A. and their authorized third parties to call on their behalf at the number you’ve provided to offer and/or advertise their products and services (including, personal and small business credit, lending, and deposit products), even if your telephone number is currently listed on its internal Do Not Call list, or any state, or national Do Not Call list. You are not required to provide this consent as a condition of purchasing any property, goods, or services.
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Mention offer code: 14831
For TTY: We accept 711 or other Relay Service.
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Have the details you need? Get your application started and contact us anytime with questions.
ENTER YOUR DESIRED LOAN INFORMATION BELOW TO SEE YOUR POTENTIAL REFINANCE RESULTS:
$ 578.52
EXTRA MONTHLY COSTS
MONTHLY SAVINGS
USE THE REFINANCE CALCULATOR
My current mortgage was originally for
in
Refinancing to a longer term and/or at a higher loan amount may result in paying more interest over the life of the loan. This calculation only includes principal and interest. Your final payment may differ. Loan amounts greater than 80% of the value of the home may require monthly mortgage insurance, and the monthly payment will be higher than what is displayed.
USE THE REFINANCE CALCULATOR
My current interest rate is
for a
mortgage
Refinancing to a longer term and/or at a higher loan amount may result in paying more interest over the life of the loan. This calculation only includes principal and interest. Your final payment may differ. Loan amounts greater than 80% of the value of the home may require monthly mortgage insurance, and the monthly payment will be higher than what is displayed.
Enter information about your desired loan
Refinancing to a longer term and/or at a higher loan amount may result in paying more interest over the life of the loan. This calculation only includes principal and interest. Your final payment may differ. Loan amounts greater than 80% of the value of the home may require monthly mortgage insurance, and the monthly payment will be higher than what is displayed.
Edit original loan information
Refinancing to a longer term and/or at a higher loan amount may result in paying more interest over the life of the loan. This calculation only includes principal and interest. Your final payment may differ. Loan amounts greater than 80% of the value of the home may require monthly mortgage insurance, and the monthly payment will be higher than what is displayed.
Interest rates and APR good through 11am ET. Rates displayed are for a rate/term refinance. If you have a competitive offer, please let us know so we can work to meet your home lending needs.
Possibilities with Citi refinancing
Pay off your loan faster
Refinance to a shorter loan term to build home equity faster and pay off your loan sooner. Your monthly mortgage payments may be higher, but you could pay less in interest over the life of your loan.
Fund large expenses
Cash-out refinancing can give you money towards other costs or a big project, such as renovations that may boost your home's value.
Consolidate your debts
Use funds to pay off several higher-interest debts at once. With a cash-out refinance rate, you can then move that debt into a single monthly payment.
GET STARTED
Ready to refinance?
Ready to refinance?
See the refinance application checklist to review what information you'll need when applying.
Important Terms and Conditions
Terms, conditions and fees for accounts, programs, offers, products and services are subject to change without notice at any time. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S.
Offer cannot be combined with other offers, except when applied with specific Community Lending Programs.
Offers are not applicable on Home Equity Loans and Lines of Credit.
Offer is available only when referencing the Offer Code to your Citibank mortgage representative and must be presented at the time you submit your application.
Offer is not available for applications already submitted.
Citibank, N.A. is not responsible for the obligations of its affiliates.
Illinois residents: If your current mortgage lender is not Citibank, N.A., your mortgage lender had no part in helping us obtain your mortgage information.
1 $500 Closing Costs Credit - The closing cost credit offer will be applied at closing and may not be used prior to closing. The credit at closing may be reduced in the following circumstances: 1) In Texas, the credit may not result in you receiving cash back on a rate/term refinance, or 2) For all other states, the credit may not result in you receiving cash back on rate/term refinance in excess of $2,000, or 3) For all states, the credit may not result in you receiving cash back on a purchase transaction except for reimbursement for costs paid by the borrower in advance (e.g., earnest money deposit, appraisal, credit report fees, etc.).
2 Calls are randomly monitored and recorded to ensure service quality.
3 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.
4 15 Year Fixed Rate Loan: The monthly payment for a 15 year mortgage loan is 180 monthly payments of $ for the average loan amount stated in Rate Assumptions.
The monthly payment reflects principal and interest only and does not include taxes and insurance premiums. Your monthly payment may be higher.
5 30 Year Fixed Rate Loan: The monthly payment for a 30 year mortgage loan is 360 monthly payments of $ for the average loan amount stated in Rate Assumptions.
The monthly payment reflects principal and interest only and does not include taxes and insurance premiums. Your monthly payment may be higher.
6 Rates are subject to market conditions and may change without notice.
Terms and conditions of these rates:
Rate(s) displayed are at or near zero points. One discount point is equal to 1% of the total loan amount, paid by the customer.
- Excellent credit
- Loan-to-Value Ratio of 80% for loans up to and including $1.5 million, Loan-to-Value ratio for loans in excess of $1.5 million is 75%
- Single Family Primary Residence
- 60-day lock period
- Fees are based on an average loan of $ in the state of . Actual fees may vary.
©2026 Citibank, N.A. NMLS #412915. Equal Housing Lender. Citi, Citibank, and Citi with Arc Design are registered service marks of Citigroup Inc.
Home Refinancing Checklist
The checklist below includes examples of the documents you'll need to provide when applying for your mortgage. Depending on your unique situation, you may be asked for more or less information. Gathering any applicable items ahead of time may help to expedite processing. You're not required to verify information related to your application until after you've received a Loan Estimate and provided consent to proceed with your application.
The Basics
Personal Finances
- Federal tax returns from the last 2 years
If Self-Employed
Credit Info
(documents are required only if applicable to your situation)
Property Info
(not required for pre-approval requests)
