Make sure you’re fine with the fine print.
You are under no obligation to utilize any specific mortgage company in obtaining a mortgage loan. There are numerous other sources of mortgage funds available and you are encouraged to shop around.
Approval is based on credit and income verification. Final commitment subject to receipt of satisfactory sales contract, appraisal, title report and meeting our customary closing conditions. This is not an offer for extension of credit nor a commitment to lend and is subject to change without notice. Certain restrictions may apply on all programs.
† Calls are randomly monitored and recorded to ensure quality service.
Employee Mortgage Program is subject to change at any time. The Employee Mortgage Program cannot be combined with other offers, except when applied with specific Community Lending Programs.
A. Waived Lender Fee:
For those eligible clients: This is not an offer for extension of credit nor a commitment to lend and is subject to change without notice. Certain restrictions may apply on all programs. For conventional loans, the application and commitment fees will be waived. For FHA/VA loans, the appraisal fee, credit report fee and the tax service fee will be waived. The borrower will be responsible for paying all other fees including, but not limited to, all fees voluntarily paid to reduce the interest rate, such as points or discount fees.
1. Closing Cost Credit:
Closing cost credit provided by CitiMortgage. Cannot be combined with any other offer.
2. SureStart®:
SureStart is a registered service mark of Citigroup Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions.
3. CitiQuik®:
CitiQuik is a registered service mark of Citigroup Inc. Applications that are not approved within minutes will be subjected to our normal underwriting process and may still be approved. Approvals are subject to verification of information, receipt of satisfactory appraisal and title report, and meeting our customary closing conditions.
4. $1,500 On-Time Guarantee:
If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law*, and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by CitiMortgage, you will receive a credit towards closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending loans, and government loans. In Texas, the credit may not result in your receiving cash back.(*Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3 business day waiting period.)
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