PURCHASE

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.

⁷    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.

⁸    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.

©2026 Citibank, N.A. NMLS #412915. Equal Housing Lender. Citi, Citibank, and Citi with Arc Design are registered service marks of Citigroup Inc.