Citi Private Bank offers you personal attention and a wide choice of financing options. We can expedite the paperwork and give you a commitment in as few as seven days. With our variety of fixed and adjustable mortgages and competitive rates, you'll move into your new home knowing you have a mortgage that fits your financial strategy.

Please call our dedicated team of Mortgage Specialists, working exclusively with Law Firm Attorneys 877-225-2484, tell us a little about what you're interested in and we'll help you get the right mortgage for your needs.

PROCESS

Prequalification for a Mortgage Curious as to how much of a mortgage you can qualify for? Our Mortgage Specialists who work specifically with Law Firm Attorneys are able to evaluate your situation and determine what type of mortgage best suits your needs. Call 877-225-2484 to get started.

Getting Started If you have already discussed your financing needs with your Private Bank Mortgage Specialist and are ready to apply, you can go ahead and complete the mortgage application. Please send your application to your Mortgage Specialist via mail or fax. Please choose from below the application that best suits your needs.

Application and Rate Commitment Options for:

• Mortgage/Home Equity Loans for US residents (PDF)
• Mortgage/Home Equity Loans for New York residents only (PDF)

Disclosures:

• Consumer Handbook on Adjustable Rate Mortgages - ARMs (PDF)
• What You Should Know About Home Equity Lines of Credit - HELOC (PDF)
  
  
For Any Questions you have about the process: Please call 877-225-2484

Sure Start Pre-Approval Program Bidding on a home with "cash in hand" can give you an important negotiating edge with sellers in today's market. With the SureStart pre-approval program, you can bid for a home with confidence that you already have a pre-approved mortgage commitment from Citi Private Bank before final property selection and appraisal. The commitment is subject to an executed sales contract for the property you select, and an appraisal satisfactory to the bank indicating an acceptable market value, property type and condition. The seller knows you are qualified for a mortgage up to a certain amount and that the mortgage approval process may be shorter because most of the work is already done. The SureStart pre-approval program includes a complete analysis of credit, assets and income. If you are unsure of the loan amount you qualify for, the SureStart program helps to quickly pinpoint properties in the right price range and eliminates anxiety about qualification.

PROCESS

Customized Jumbo and Super Loans Some home mortgages stack up better than others…

• Service and Access to Expertise
  • A dedicated Private Bank Mortgage Specialist will work with you from application to closing
  • Loan structuring to meet your individual situation
  • Expertise in exclusive properties
  • Relationships with key high-end appraisers
  • Higher loan-to-values based on client liquidity
  • Documentation appropriate for the high net worth client
  • Responsiveness to your timeframe
  • One Door To The Bank Program offering coordination of mortgage financing with other loan facilities
• Home Loan Program Highlights
  • Mortgages for primary residences, vacation homes, co-ops, condos, and investment properties
  • Purchase or refinance in 50 states
  • Wide range of fixed and adjustable rate mortgages
  • Interest Only Option for The 3/1, 5/1, 7/1, 10/1 Mortgage Programs (LIBOR based)
  • Super Jumbo mortgages with no pre-set maximum loan size
  • Financing up to 100% of property value with The Dual Collateral Mortgage Program*
  • Ability to cross collateralize to unlock value across your residences
  • Tandem Home Equity Lines of Credit* to increase flexibility and lower borrowing costs
  • Ability to title properties in trusts or PICs
    
• Competitive Pricing
  • A choice of competitive rate and point options
  • Zero point options available
  • No pricing premium for second home financing
  • No closing cost option
  • No premium pricing on interest only loans

Dual Collateral Mortgage Program* In the market for a new property? Let your securities help pay for your home. With our innovative Dual Collateral Mortgage, you can pledge eligible marketable securities in lieu of a cash down payment. By pledging securities, including most stocks, bonds or mutual funds, in addition to real property or cooperative shares, you can finance up to 100% of the value of your home. Our Dual Collateral Mortgage Program might allow you to:

• Purchase your new home while keeping your investments working for you
• Defer liquidation of some of your assets and avoid premature capital gains tax
• Lock in long-term higher dollar financing
• Assist a spouse, adult child or parent in purchasing a home by pledging securities in support of a mortgage on their behalf.
• Finance the construction of a new home while locking in long-term financing at low interest rates
• Increase the percentage of tax-advantaged debt on your balance sheet

Would you like to know more about the Dual Collateral Mortgage Program? Contact us or check out Frequently Asked Questions.

If the value of the securities pledged as collateral should decline below a minimum level, you may be required to deposit cash or additional securities. If you cannot do so, all or a portion of your initial collateral could be liquidated and a mortgage default could result. Collateral may have certain restrictions for the life of the loan.

Interest-Only Mortgages Fixed Rate or adjustable? Interest only or principal and interest? You can have the best of both worlds. Our 3/1, 5/1, 7/1, 10/1 Mortgage Programs (LIBOR based) combine the security of a fixed rate mortgage for a specified period with the potential to retain some of the cost savings of an adjustable rate mortgage (ARM) relative to a 30-year fixed rate mortgage. The initial term of your loan has a fixed rate and fixed loan payments for either three, five, seven or ten years, depending on your needs. The remaining term of the loan over its 30-year life is an annually repriced adjustable rate mortgage. You can opt for interest only payments during the fixed rate portion of the term, or you can choose full principal and interest payments. The 3/1, 5/1, 7/1, 10/1 Mortgage Programs (LIBOR based) have additional advantages if you are planning to retain the property for a period less than the fixed rate period of your mortgage. In addition to providing fixed payments when you need them, this program means you do not have to pay for the interest rate protection over the full life of the loan. These potential savings can turn into lower monthly payments and greater buying power when compared with a 30-year fixed rate mortgage.

Home Equity Line of Credit Put the equity in your home to work for you. Finance home improvement or major consumer purchases with minimum monthly payments. Our Home Equity Line of Credit offers you a line of credit you can use when and how you want -- for home improvement, landscaping, a second home, a home for a family member, college tuition, investment opportunities, or virtually any other purpose. Flexible and convenient, the Home Equity Line of Credit is a second mortgage structured as a personal, revolving variable-rate line of credit. As you repay what you've borrowed, that amount becomes available for you to use on demand again and again.

• Provides you with a lower interest rate than most unsecured lines of credit
• Offers you the potential tax advantages of a loan the interest on which may be up to 100% tax deductible when the loan is secured by your primary or secondary residence
• Provides easy access to funds when you need them
• Increases your control, enabling you to enhance your lifestyle and investment portfolio
• Requires payment of interest only on the amount borrowed during the 10-year revolving period; no repayment of principal is required during that time
• Allows you the option of paying no closing costs

*Currently not available in all states. All credit services are subject to credit approval. Nothing contained herein should be construed as a commitment to lend by Citibank, N.A. or any of its affiliates. Citigroup subsidiaries may compensate affiliated companies for providing products and services to clients. Opinions expressed herein may change without notice and may differ from those expressed by departments or other divisions or affiliates of Citigroup. In addition, opinions are not intended to be a forecast of future events, a guarantee of future results and are subject to change based upon market and other conditions.

"Citi Private Bank" is used by Citibank, N.A. and certain other bank and non-bank affiliates. All loans are made by Citibank, N.A., equal-housing lender. Loans are subject to Citigroup's mortgage qualifications and borrowers must also meet the eligibility requirements of Citi Private Bank. 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.

Citigroup does not provide tax or legal advice. You are advised to review any potential transaction with your tax professional to calculate actual benefits, if any, based on your unique situation.