Your guide to homeownership

Ready to get more from your mortgage? From buying to refinancing, this is your place to master every step of the process. When it's time to put plans in motion, apply for a Citi mortgage by creating a Citi account or signing on.

J.D. Power 2025 Trophy

Citi is #1 in Customer Satisfaction with Mortgage Origination

- J.D. Power 2025 Award

Ready to get more from your mortgage? From buying to refinancing, this is your place to master every step of the process. When it's time to put plans in motion, apply for a Citi mortgage by creating a Citi account or signing on.

J.D. Power 2025 Trophy

Citi is #1 in Customer Satisfaction with Mortgage Origination

- J.D. Power 2025 Award

Get help planning for your goals

Home Loans

Compare home loan types

Get the lay of the home loan land and find the right fit for you, from different mortgage types to varying term lengths.

  • Fixed- or adjustable-rate loan

    Find out which works best for you.

    Fixed-Rate LoanAdjustable-Rate Loan
    Consistent interest rate for the life of the loanMay have lower initial interest rate for a fixed period
    Unchanging monthly loan payments (only for P&I)Variable interest rate after initial fixed period
    Long-term cost savings by avoiding fluctuating ratesRate adjustment caps limit how much interest rates can increase
    Best for buyers seeking financial stabilityBest for buyers planning to move or refinance in the near future

  • Explore government-backed loans

    See if you’re eligible for government assistance.

    FHA LoanUSDA Loan
    Qualify with a lower credit score or non-traditional credit historyNo down payment required and lower interest rates
    Low down payment as little as 3.5%Flexible credit score requirements
    Requires mortgage insuranceOnly eligible for certain rural areas and income levels
    Best for first-time home buying or those with lower creditBest for buyers in the countryside with lower credit

  • Need to cash out?

    See what your home equity can do.

    HELOCHome Equity Loan
    Borrow funds as needed during the draw periodBorrow an upfront lump sum of money
    May offer an interest-only payment periodFixed interest rate for life of loan
    Typically comes with a variable interest rateConsistent monthly payments
    Best for flexible access to funds over a period of timeBest for funding a large one-time expense
Rates

Citi mortgage rates today

Learn the ropes of rates with Citi. Find the right loan term for you before locking it down. Remember, comparing rate terms can lead to big savings down the line!

See Today’s Rates

CALCULATORS Let’s do some mortgage math

Whether you’re a first-time home buyer or refinancing a home loan, check out our calculators to help you sum things up.

home buying Home buying 101

Landing the perfect home starts with finding the right mortgage. Fortunately, we have the answers you need to help you find the one that's right for you. Let’s ease into things with some of the most popular mortgage questions.

refinancing Wondering if refinancing is right for you?

  • Help cut your monthly expenses
  • Own your home sooner
  • Access extra cash

Explore other ways to refinance

Why mortgage.com is the place to be

  • Powered by Citi

    Tap into 200 years of mortgage expertise for all your homeownership needs.

  • Tailored Tools

    Get personalized resources for smart financial decisions.

  • Advice at your fingertips

    Connect with a Citi mortgage specialist for clear, professional guidance and support.

Get more from your mortgage

Take a deep dive into where you are in the mortgage process. Whether you’re buying or refinancing, we have tips and tricks to help you make smart money moves and come home happy.

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