Citi Private Bank: The Law Firm Group

THE LAW FIRM GROUP
Home Loan Program

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	FOR ATTORNEYS
.	Overview
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.	Home Loan Program
.	Other Products & Services

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.	Overview

For many successful partners, the word "home" refers to the comforts of more than one residence. Whether you are considering a new primary or vacation property or the refinance of an existing property, the Home Loan Program at Citi Private Bank is prepared to help you achieve your goals without distracting you from the things that need your attention most. Our premium Home Loan Program objectives are to 1) ensure the highest level of service to our clients, 2) offer a broad range of products and services, and 3) hasten the closing process.

LEVEL OF SERVICE

When you become our client, a dedicated private banker and Mortgage Specialist will work with you through every step of the loan process. You can rely on us to provide expert mortgage advice and we'll work with you to structure your home financing to align with your overall financial strategy. Whatever your home loan need, Citi Private Bank Law Firm Group is uniquely poised to help you fulfill it.

SUPERIOR PRODUCTS AND SERVICES

We offer a full range of mortgages with various rate and point options to address your particular needs. Products and services include:

First mortgages on primary residences and vacation homes in all 50 states, 1-4 family residences, co-ops*, and condominiums. Home Equity Lines of Credit are available in 49 states **.
15 and 30 year fixed-rate loans
6 month/1 year/3 year adjustable-rate loans based upon U.S. Treasury Index
3/1, 5/1, 7/1 and 10/1 fixed to adjustable-rate loans available with interest-only option available

100% financing may be available***
Ask about our "no closing cost" option.
Many rate lock options available to help you with your timeframes.
No maximum loan size on any of our products.
Second home financing available with no price premiums.

ACCELERATED CLOSINGS

We know that your time is valuable. We will work with you to deliver a commitment when you need it. Additionally, we encourage you to take advantage of our SureStart(R) pre-approval program, which can provide you with a commitment for financing prior to you finding your new property. Taking advantage of this program puts you in the position of being able to negotiate as a "cash buyer" and may enable you to enjoy a competitive advantage with your seller. SureStart program features include:

Fast approval process
Ability to determine price range before shopping for a home
Ability to obtain commitment quickly upon property selection

Citibank, NA
Member FDIC

*Not available in all areas

**Not available in Texas

***Using a combination of loans secured by residential real estate and marketable securities. Not available in all states.

Mortgage services are provided by Citibank, N.A. A mortgage commitment is contingent upon credit approval, a satisfactory sales contract, property appraisal, title search, mortgage insurance, if applicable, and fulfillment of all closing conditions. To be eligible to apply for these services, you must first qualify as a Citi Private Bank client. Call 1.800.667.8424 for information about services for those not eligible for private banking. To ensure quality service, calls may be randomly monitored or recorded.




	"Citi Private Bank" is a business of Citigroup Inc. ("Citigroup"), which provides its clients access to a broad array of products and services available through bank and non-bank affiliates. Not all products and services are provided by all affiliates or are available at all locations. All credit products are subject to credit approval. In the U.S., brokerage services and securities products are provided by Citigroup Global Markets Inc. ("CGMI"), member SIPC and an affiliate of Citibank, N.A. Outside the U.S., brokerage services may be provided by other Citigroup affiliates. Investment management services (including portfolio management) are available through CGMI, Citibank, N.A. and other affiliated advisory businesses.

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