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    CitiGroup is one of the world’s largest financial services companies. They can trace their history back for 200 years and do business with 200,000,000 people in 160 different countries. In the United States, their CitiMortgage subsidiary handles making home loans and making refinances. They offer a comprehensive range of both adjustable and fixed rate refinance products, making it easy for you to find the right loan.

    Fixed Mortgage Refinance Rates

    Citimortgage refinance ratesPeople looking for a fixed rate conforming mortgage of no more than $417,000 can take advantage of CitiMortgage’s flexible fixed rate mortgage options. While people who need to have the lowest monthly payment can opt for a traditional 30 year fixed loan, CitiMortgage also offers a 15 year fixed mortgage. These loans carry a higher payment, but they also have a lower interest rate and get paid off in less time. Those who want an in-between option can take advantage of the 20 year mortgage program. 20 year loans have some of the rate discount of a 15 year loan, but their payments are much lower and more similar to a 30 year loan.


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    CitiMortgage’s flexibility extends to their interest rates. They allow borrowers to reduce their interest rate by paying up-front discount points. If you are planning to stay in your house for a long time and pay off your mortgage, taking advantage of this option could save you thousands of dollars over the life of your loan.

    Adjustable Mortgage Refinance Rates

    CitiMortgage offers adjustable rate mortgages, known as ARMs, which help borrowers get the lowest possible rate. In exchange for their low initial interest rates, though, they have a provision which allows their rates to fluctuate in the future. Given that the period from 2008 through 2012 has seen historically low interest rates, it is likely that rates will go up at some point in the future.


    Even with that risk, ARMs make a great deal of sense for borrowers who know that they will be selling their home or refinancing their mortgage before the fixed rate period ends. If you fit into this category, CitiMortgage offers ARMs with their first five, seven or 10 years fixed at a preapproved rate. They will also allow you to buy discount points to further reduce your interest rate.

    Jumbo Rates

    Unlike other lenders that have limited options for borrowers who need a mortgage of over $417,000, CitiMortgage makes it easy to find a “jumbo” loan. They offer five different programs including 15- and 30-year fixed mortgages and adjustable rate mortgages with five, seven or 10 year fixed periods.


    CitiMortgage’s jumbo interest rates are very competitive. They will vary from time to time depending on the market, but CitiMortgage’s jumbo rates are generally very close to their conforming loan rates. This lack of a “jumbo” rate premium makes CitiMortgage an excellent choice for people who need to refinance their high balance mortgage.

    Government Programs

    Homeowners who need to buy a home with a small down payment or refinance a home with an FHA mortgage can take advantage of CitiMortgage’s FHA lending program. FHA loans have relaxed credit qualification requirements, letting you get a mortgage even if your FICO score is in the low 600’s. They also let you buy a home with just 3.5 percent down and may let you refinance your home even if you owe more than it is worth. CitiMortgage has a special team of FHA experts that can help you take out one of these excellent mortgages.


    If you are already a CitiMortgage customer and have an underwater mortgage, they can help you refinance and take advantage of today’s low rates. As a participant in the Home Affordable Refinance Program, CitiMortgage can give you a HARP mortgage if you meet the following qualifications:


    • Your existing loan is with Fannie Mae or Freddie Mac
    • You have been current on your loan for the last six months and not have made more than one late payment in the preceding six months.
    • You took out your existing mortgage before May 21, 2009

    Given their long history and global presence, it is not surprising that CitiGroup’s CitiMortgage division is one of America’s largest and most active lenders. They have loan products to serve everyone from main street borrowers in Manitowoc, Wisconsin to jumbo borrowers who need to finance a seaside retreat in Malibu, California. Their flexible terms and varied products make it easy for you to find the perfect refinance and to take advantage of today???s uniquely low interest rates.


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