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Citi’s offerings and lending guidelines may differ.","content:disclosures:global-floating-disclosure.json","Global Floating Disclosure","disclosures/global-floating-disclosure.json",{"title":91,"subtext":7,"portraitImage":92,"imageAlt":93,"imageWidth":94,"background":95,"borderRadius":96,"maxWidth":97,"paddingTopBottom":98,"paddingLeftRight":98,"gap":98,"variant":99},"Citi is #1 in Customer Satisfaction with Mortgage Origination - ***[J.D. Power 2025 Award](https://www.jdpower.com/business/awards)***","/media/jdpower-trophy.png","J.D. 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HomeRun® is not available on cash-out refinance transactions.\"}]","Citi HomeRun® FAQs",[],{"title":7,"searchDepth":113,"depth":113,"links":207},[],{"data":209,"body":210,"toc":218},{"title":7,"description":86},{"type":103,"children":211},[212],{"type":106,"tag":213,"props":214,"children":215},"p",{},[216],{"type":217,"value":86},"text",{"title":7,"searchDepth":113,"depth":113,"links":219},[],{"_path":221,"_dir":84,"_draft":6,"_partial":6,"_locale":7,"content":222,"slug":223,"_id":224,"_type":78,"title":225,"_source":80,"_file":226,"_extension":78},"/disclosures/spanish-language-disclosure","\u003Csup>†\u003C/sup>Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.\n\n\u003Cspan lang=\"es\">Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.\u003C/span>","spanish-language-disclosure","content:disclosures:spanish-language-disclosure.json","Spanish Language Disclosure","disclosures/spanish-language-disclosure.json",{"data":228,"body":229,"excerpt":-1,"toc":237},{"title":7,"description":7},{"type":103,"children":230},[231],{"type":106,"tag":232,"props":233,"children":236},"disclaimer-dialog",{":dialog-copy":234,"button-copy":235},"\"### HomeRun® Eligibility\\n\\nHomeRun® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $832,750. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $832,751 and $1,249,125 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,066,250, or 85% up to $1,599,375 in certain high-cost markets. In addition to home buying education, borrowers of two-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun® is not available on cash-out refinance transactions.\"","*Select markets only. Income limitations apply.",[],{"title":7,"searchDepth":113,"depth":113,"links":238},[],{"_path":240,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"helocRate":241,"purchaseRate":242,"refinanceRate":242,"_id":243,"_type":78,"title":244,"_source":80,"_file":245,"_extension":78},"/settings/calculator-rates",7.6,6.875,"content:settings:calculator-rates.json","Calculator Rates","settings/calculator-rates.json",{"data":247,"body":248,"excerpt":-1,"toc":254},{"title":7,"description":149},{"type":103,"children":249},[250],{"type":106,"tag":213,"props":251,"children":252},{},[253],{"type":217,"value":149},{"title":7,"searchDepth":113,"depth":113,"links":255},[],{"data":257,"body":258,"excerpt":-1,"toc":264},{"title":7,"description":137},{"type":103,"children":259},[260],{"type":106,"tag":213,"props":261,"children":262},{},[263],{"type":217,"value":137},{"title":7,"searchDepth":113,"depth":113,"links":265},[],{"data":267,"body":268,"excerpt":-1,"toc":274},{"title":7,"description":176},{"type":103,"children":269},[270],{"type":106,"tag":213,"props":271,"children":272},{},[273],{"type":217,"value":176},{"title":7,"searchDepth":113,"depth":113,"links":275},[],{"data":277,"body":279,"excerpt":-1,"toc":285},{"title":7,"description":278},"With eligible gift funds and down payment programs, you may contribute as little as 1%.",{"type":103,"children":280},[281],{"type":106,"tag":213,"props":282,"children":283},{},[284],{"type":217,"value":278},{"title":7,"searchDepth":113,"depth":113,"links":286},[],{"data":288,"body":290,"excerpt":-1,"toc":296},{"title":7,"description":289},"Save every month by taking private mortgage insurance (PMI) off the table.",{"type":103,"children":291},[292],{"type":106,"tag":213,"props":293,"children":294},{},[295],{"type":217,"value":289},{"title":7,"searchDepth":113,"depth":113,"links":297},[],{"data":299,"body":301,"excerpt":-1,"toc":307},{"title":7,"description":300},"Get predictable payments with a competitive interest rate compared to conventional loans.",{"type":103,"children":302},[303],{"type":106,"tag":213,"props":304,"children":305},{},[306],{"type":217,"value":300},{"title":7,"searchDepth":113,"depth":113,"links":308},[],{"data":310,"body":312,"excerpt":-1,"toc":318},{"title":7,"description":311},"No credit history? On-time rent, utility payments and steady income can play a role.",{"type":103,"children":313},[314],{"type":106,"tag":213,"props":315,"children":316},{},[317],{"type":217,"value":311},{"title":7,"searchDepth":113,"depth":113,"links":319},[],{"data":321,"body":323,"excerpt":-1,"toc":334},{"title":7,"description":322},"Get Lender Paid Assistance for primary homes in eligible areas with qualifying income.",{"type":103,"children":324},[325,329],{"type":106,"tag":213,"props":326,"children":327},{},[328],{"type":217,"value":322},{"type":106,"tag":232,"props":330,"children":333},{":dialog-copy":331,"button-copy":332},"\"### How to qualify for Lender Paid Assistance\\n\\nLender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in markets with Citibank branches and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.\"","Check Eligibility",[],{"title":7,"searchDepth":113,"depth":113,"links":335},[],{"data":337,"body":339,"excerpt":-1,"toc":345},{"title":7,"description":338},"Condos, co-ops, two-units and single-family homes are eligible for buying or refinancing.",{"type":103,"children":340},[341],{"type":106,"tag":213,"props":342,"children":343},{},[344],{"type":217,"value":338},{"title":7,"searchDepth":113,"depth":113,"links":346},[],{"_path":348,"_dir":84,"_draft":6,"_partial":6,"_locale":7,"slug":349,"content":350,"_id":351,"_type":78,"title":352,"_source":80,"_file":353,"_extension":78},"/disclosures/home-run-campaign-disclosure","home-run-campaign-disclosure","HomeRun® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $832,750. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $832,751 and $1,249,125 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,066,250, or 85% up to $1,599,375 in certain high-cost markets. In addition to home buying education, borrowers of two-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun® is not available on cash-out refinance transactions.\n\nLender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in markets with Citibank branches, and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.\n\nThis page provides general information regarding mortgages or home equity lines of credit. Citi's offerings and lending guidelines may be different. This content is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.\n\nTerms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. 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. Certain restrictions may apply on all programs.","content:disclosures:home-run-campaign-disclosure.json","Home Run Campaign Disclosure","disclosures/home-run-campaign-disclosure.json",{"data":355,"body":357,"toc":380},{"title":7,"description":356},"†Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":103,"children":358},[359,370],{"type":106,"tag":213,"props":360,"children":361},{},[362,368],{"type":106,"tag":363,"props":364,"children":365},"sup",{},[366],{"type":217,"value":367},"†",{"type":217,"value":369},"Please be advised that verbal and written communication from Citi may be in English as we may not be able to provide servicing related communications in all languages. These communications may include, but are not limited to, account agreements, statements and disclosures, change in terms or fees; or any servicing of your account. If you need assistance in a language other than English, please contact us as we have language services that may be of assistance to you.",{"type":106,"tag":213,"props":371,"children":372},{},[373],{"type":106,"tag":374,"props":375,"children":377},"span",{"lang":376},"es",[378],{"type":217,"value":379},"Por favor, tenga en cuenta que las comunicaciones verbales y escritas de Citi podrían estar únicamente en inglés, ya que, tal vez, no podamos proporcionar comunicaciones relacionadas con los servicios en todos los idiomas. Estas comunicaciones podrían incluir, entre otras, contratos, divulgaciones y estados de cuenta, cambios en los términos o en los cargos, así como cualquier documento de mantenimiento de su cuenta. Si necesita ayuda en un idioma distinto al inglés, por favor, comuníquese con nosotros, ya que tenemos servicios de idiomas que podrían serle útiles.",{"title":7,"searchDepth":113,"depth":113,"links":381},[],{"data":383,"body":385,"excerpt":-1,"toc":406},{"title":7,"description":384},"HomeRun® is available in markets with Citibank branches for loans on the primary residence of borrowers who qualify, and is also subject to income, property, product and other restrictions. To be eligible for up to 97% financing, the property must be a single-family home (including condos, co-ops and planned unit development) with a loan amount up to $832,750. Certain condo and co-op projects may be subject to lower LTVs. Single-family homes in certain high-cost markets with loan amounts between $832,751 and $1,249,125 are eligible for up to 95% financing. Non-traditional credit on conforming loan sizes requires 5% down payment. Non-traditional credit is not permitted on loans exceeding conforming loan limits. Two-unit properties are eligible for 89.99% financing with loan amounts up to $1,066,250, or 85% up to $1,599,375 in certain high-cost markets. In addition to home buying education, borrowers of two-unit properties must participate in landlord training from a Citi-approved community agency prior to closing. HomeRun® is not available on cash-out refinance transactions.",{"type":103,"children":386},[387,391,396,401],{"type":106,"tag":213,"props":388,"children":389},{},[390],{"type":217,"value":384},{"type":106,"tag":213,"props":392,"children":393},{},[394],{"type":217,"value":395},"Lender Paid Assistance is a non-repayable lender credit that will be first applied to eligible closing costs. Any remaining funds can be used to buy down the rate. Up to a maximum of $7,500 is available on the purchase of a primary residence in markets with Citibank branches, and is subject to additional property, income and other eligibility requirements. The credit only can be applied to non-recurring closing costs, cannot be applied to interim interest and prepaid escrows, and cannot be used for any portion of the down payment. The borrower may not receive cash back at closing. The credit cannot be combined with any other Citi provided incentive, offer or promotion. Lender Paid Assistance is only available on Purchase transactions.",{"type":106,"tag":213,"props":397,"children":398},{},[399],{"type":217,"value":400},"This page provides general information regarding mortgages or home equity lines of credit. Citi's offerings and lending guidelines may be different. This content is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. For advice about your specific circumstances, you should consult a mortgage professional and refer to the information and disclosures provided to you by the lender you choose regarding its products and services.",{"type":106,"tag":213,"props":402,"children":403},{},[404],{"type":217,"value":405},"Terms, conditions and fees for accounts, programs, products and services are subject to change without notice. This is not a commitment to lend. All loans and offers are subject to standard underwriting guidelines and required conditions. 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. Certain restrictions may apply on all programs.",{"title":7,"searchDepth":113,"depth":113,"links":407},[],1785958439051]