Why should you refinance your mortgage?
Decrease monthly payments
Extending your loan term can lower monthly payments, but you’ll likely pay more interest in the long run.
Pay off your loan faster
Shortening your loan term can help you build equity faster, pay off your mortgage sooner and save on interest.
Get a lump sum of cash
Using a cash-out refinance replaces your current mortgage with a larger loan, giving you cash and a new rate and term.
See if refinancing makes sense for you
Your current home loan
Refinancing may not impact your monthly mortgage payments but could cost you $0.00 in total interest.
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Need more guidance?
Refinancing a mortgage can seem tricky, but we can help you understand your options.
Looking for other ways to access cash?
Find out how home equity can help you access money for renovations, debt consolidation or big expenses.
Citi mortgage rates today
Select purchase or refinance and enter your details to see Citi interest rates for conventional loans. Check back anytime—we’ll track your personalized rate at the top of every page for the next 30 days.
Rate History
Compare popular refinance loans
If you’re considering a mortgage loan refinance, a Citi Mortgage Specialist can help you figure out which loan works best for you.
