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    By clicking “SUBMIT”, you consent and agree to be contacted by Citibank, N.A. regarding your loan inquiry at the telephone number provided or e-mail address provided. You understand that this is not a mortgage loan application, and that if you wish to apply for a mortgage loan, you will need to apply directly with Citibank, N.A..

    ON OCTOBER 22, 2019

    Our Mortgage Rates in CA

    TYPERATEAPR
    *5/1 ARM14.500%4.378%
    *10/1 ARM24.125%4.223%
    15–Year Fixed33.875%4.006%
    30–Year Fixed44.500%4.576%
    TYPERATEAPR
    *5/1 ARM14.375%4.400%
    *10/1 ARM24.000%4.212%
    15–Year Fixed33.750%4.000%
    30–Year Fixed44.375%4.520%
    The ARM APR may increase after consummation.
    Internet Rates and APR good through 11am ET.

    Mortgage Payment Calculator

    See what your monthly mortgage payments would be based on loan amount, interest rate and loan term.

    Feel confident in every step of the home loan process.

    SureStart® Pre-approval5

    So you can shop for your home with confidence.

    Expertise

    35 years of experience guiding homebuyers through the mortgage process.

    Personal Attention

    We’ll be in touch every step of the way – from pre-approval to closing.

    † Dial 1-866-280-2050 from Puerto Rico.

    Rate Assumptions:
    • Citibank mortgage rates may change without notice subject to market conditions.
    • Rates and fees are based on an average loan amount of $259,111.59 in the state of CA. Actual fees may vary.
    • 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%.
    • Excellent credit – score 780 and above.
    • Single Family Primary Residence.
    • 60-day lock period.
    • Actual interest rate will vary depending upon loan-to-value and credit score.

    1 5/1 ARM Loan:
    For a 5/1 ARM, the initial fixed rate for the first 60 months will be 4.500, and the monthly payment will be $1,312.88 and is estimated to adjust based upon the sum of the index and margin to 4.186 for the next 12 months and the monthly payment will be $1,271.14. The interest rate may adjust annually thereafter. The monthly payment reflects principal and interest only and does not include taxes and hazard insurance. Your monthly payment may be higher.

    2 10/1 ARM Loan:
    For a 10/1 ARM, the initial fixed rate for the first 120 months will be 4.125, and the monthly payment will be $1,255.78 and is estimated to adjust based upon the sum of the index and margin to 4.186 for the next 12 months and the monthly payment will be $1,262.42. The interest rate may adjust annually thereafter. The monthly payment reflects principal and interest only and does not include taxes and hazard insurance. Your monthly payment may be higher.

    3 15 Year Fixed Rate Loan:
    The monthly payment for a 15 year mortgage loan is 180 monthly payments of $1,900.43. The monthly payment reflects principal and interest only and does not include taxes and hazard insurance. Your monthly payment may be higher.

    4 30 Year Fixed Rate Loan:
    The monthly payment for a 30 year mortgage loan is 360 monthly payments of $1,332.20. The monthly payment reflects principal and interest only and does not include taxes and hazard insurance. Your monthly payment may be higher.

    5 For Surestart, final commitment is subject to verification of information, receipt of satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. There is no charge for Surestart pre-approval, but standard application and commitment fees apply.

    ‡ 1/8th Refinance Offer:
    Offer available on conforming refinance transactions only. Offer cannot be combined with any other offer and 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 may be modified or withdrawn at any time without notice.

    Terms, conditions and fees for accounts, programs, products and services are subject to change without notice. Offer cannot be combined with any other incentives. Citibank reserves the right to suspend, change and terminate the offers and promotion. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Closing costs credit will be applied at closing.

    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.

    Offers are not applicable on Home Equity Loans and Lines of Credit.

    Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI and CLA are affiliated companies under the common control of Citigroup Inc.

    © 2019 Citibank, N.A. NMLS #412915. Member FDIC and Equal Housing Lender. Citi, Citibank, and Citi with Arc Design are registered service marks of Citigroup Inc.

    Copyright © 2019 Citigroup Inc.