Mortgage Benefits for Citi at Work Customers

  • Get a closing cost credit or rate discount with mortgage relationship pricing1
  • Show sellers you're serious with a SureStart® mortgage pre-approval2

Terms, conditions and fees for accounts, programs, products and services are subject to change. 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. It may be applied to origination fees and standard customary third-party and government closing costs. In Texas, the credit may not result in you receiving cash back. Offers are not applicable on Home Equity Loans and Lines of Credit.

1. Mortgage Relationship Pricing for Citibank deposit customers

Balance Requirements* Closing Credit or Interest Rate Discount
$1 - $49,999.99 $250 off closing costs
$50,000 - $199,999.99 1/8% off interest rate
$200,000 - $999,999.99 3/8% off interest rate
$1 million + 1/2% off interest rate

*A Citibank Deposit Account is required to receive the interest rate discount or closing cost credit. Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount and closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Deposit Account balances must be in the account five (5) Business Days following final loan approval, and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal consumer Citibank Deposit Account, linked Citibank IRAs and Investments held in linked Citigroup Global Markets Inc. ("CGMI") accounts. IRA and annuity positions shown on linked CGMI account statements are eligible (except tax-qualified annuities under sections 401, 403 or 457 of the Internal Revenue Code). Balances from Citibank business accounts are excluded. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.

If you are interested in Citi’s banking account relationship offers, please contact your Home Lending Officer or Mortgage Representative.

Automated monthly transfers of the mortgage payment from a Citibank personal deposit account are required. Speak to your loan officer about whether the relationship offer is best for you.

Citibank mortgage relationship pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank mortgage relationship pricing is subject to change without notice.

Glossary of terms for this offer:
Business Day means Monday through Friday and does not include federal holidays.
Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs.
Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts.
Investment Account means IRAs and investments held in Citigroup Global Markets ("CGMI") accounts.

2. 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.

® 2018 Citibank, N.A. NMLS #412915. Member FDIC and Equal Housing Lender. Citi, Citibank, Arc Design, and Citi with Arc Design are registered service marks of Citigroup Inc.