Get the home you love.
For less.

Save big on settling down with great rates and guidance from our pros.

Prefer to talk? Call us:

(833) 461-1706

Get My Rate

Today's Rates

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=DESCR# APR
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=APR#		 Points1
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=POINTS#		 Est. monthly payment
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=DESCR# APR
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=APR#		 Points1
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=POINTS#		 Est. monthly payment
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=15 Year Fixed Rate|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7yr/6m Fully Amortizing ARM|ProductAttribute=RATE# #ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7yr/6m Fully Amortizing ARM|ProductAttribute=DESCR# APR
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7yr/6m Fully Amortizing ARM|ProductAttribute=APR#		 Points1
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7yr/6m Fully Amortizing ARM|ProductAttribute=POINTS#		 Est. monthly payment
#ProductLine=Mortgage|Brand=citizensbank|Region=NY|NAME=Conforming Adjustable Rate Mortgage - Purchase|Descr=7yr/6m Fully Amortizing ARM|ProductAttribute=MONTHLY_PAYMENT#

Rates and monthly payments based on a $300,000 mortgage.
Rates include 0.125% autopay and paperless discount.

 2More info on rates and repayment

Why buy home with Citizens?

We make it easy to do more with your money, so you're free to do more of what you love.

Flexible rates and terms

No hidden fees or prepayment penalties

Dedicated loan officers

Rate discounts, for even more savings

Commitment-free quotes

Easy online application

How it works

Breeze through our online application and see your options in minutes.
Need a hand? No problem. Your dedicated loan officer is ready to help.

Step 1: Figure out what you can afford

Talk with us to set a budget that's right for you. Or set one on your own.

Step 2: Get pre-approved in minutes

See how much you can borrow. It's fast, free and easy to start online.

Step 3: Personalize your loan

Choose the rate and term that's best for your finances and future plans.

Step 4: Buy your dream home

Sign a few things online, then get your money. You're ready to close!

Get Preapproved

The reviews are in

  • “I really enjoyed working with this team. They were kind, professional and always responded to my calls and emails. It was a great experience and I recommend them!”

    Cranston, RI

    Read more
    zillow

    Zillow

    Cranston, RI

Ready to buy?

We're ready to help with a mortgage that saves you money now. And sets you up to afford your future plans.

Get My Rate

Mortgage FAQs

Have more questions? Get more answers in our full FAQs section.

Your personalized rate is just a few clicks away

Get My Rate

1 Points are a one-time fee paid at closing to lower the interest rate on your loan. One point costs 1% or your loan amount and reduces your rate by .25% or more. Buying points also lowers your monthly payment and can even save you some serious cash over the life of your loan.

2

30-year fixed rate repayment example
The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Columbus, OH and is within Franklin County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 3.250% interest rate, the APR for this loan type is 3.304%. The monthly payment schedule would be:
  • 359 payments of $1,305.62 at an interest rate of 3.250%
  • 1 payment of $1,305.23 at an interest rate of 3.250%
 15-year fixed rate repayment example
The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Columbus, OH and is within Franklin County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.
At a 2.500% interest rate, the APR for this loan type is 2.614%. The monthly payment schedule would be:
  • 179 payments of $2,000.37 at an interest rate of 2.500%
  • 1 payment of $1,999.86 at an interest rate of 2.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes, homeowners insurance premiums and hazard insurance premiums where applicable.
This payment example assumes no subordinate financing.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

*Rates include 0.125% autopay and paperless discount. A consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a 0.125 percentage point mortgage interest rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.


Equal Housing Lender Logo