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MORTGAGE LOANS

Get the home you love. For less. Save big on settling down with great rates and guidance from our pros.
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Call us: (833) 461-1706

Buy a home

30 Year fixed rates as low as

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Purchase|Descr=30 Year Fixed Rate|ProductAttribute=APR#APY*

Refi a mortgage

30 Year fixed rates as low as

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=APR# APY*

Buy: 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 Fixed Rate Mortgage - Purchase\|Descr=15 Year Fixed Rate\|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

Buy a home

Save big on settling down. Use that extra cash to make your house a home. Or cover any other expenses that come your way.

Refi: Today’s Rates

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

Refinance a mortgage

Free up some money to take on your to-do list – or your bucket list. From a new family room to a family vacation.

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

Mortgage FAQs

Our decision is based on 3 things:
1. Your credit history
2. Your property, and
3. Your debt-to-income ratio (the amount of income and assets you have compared to your outstanding debts)
If all three are in good shape, there’s a good chance you are too! If not, don’t worry – we can help find the mortgage that’s right for you and your situation.

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

Your personalized rate is just a few clicks away

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

* 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.