In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review:
- Loan Assumptions
- Equal Housing Lender
- The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
- IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
Loan Assumptions
*Please note that CitiHome is not funding any loans that are less than $100,000.
Purchase Money Loans
On Loan Amount up to $625,000
First Mortgage
CitiHome is a Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement NMLS # 1752650. Disclosed rate assumes the purchase of an owner-occupied single-family residence of a loan amount from $450,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 80% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. CitiHome will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. Subject to underwriting approval.
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Refinance Loans
On Loan Amount up to $625,000
First Mortgage
CitiHome is a Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement NMLS # 1752650. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $400,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 59% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. CitiHome will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
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On Loan Amount over $625,000 up to $822,375
First Mortgage
CitiHome is a Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement NMLS # 1752650. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $640,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 59% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. CitiHome will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
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On Loan Amount up to $2,000,000
First Mortgage - Jumbo Loan
CitiHome is a Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement NMLS # 1752650. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount of $1,000,000. Minimum 740 FICO score, 50% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. CitiHome will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.
Click here to see the monthly payment
No Closing Costs (if applicable)
Are available on rate/term and limited cash out refinance transactions only. CitiHome will pay the following third party closing costs on behalf of the Borrower: appraisal fees, credit report fees, flood certification fees, escrow/closing fees, signing fees, title insurance fees (lenders policy and endorsements). The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection fees and discount points (if Borrower chooses to pay discount points to buy down the interest rate). Minimum loan amount is $350,000.
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Equal Housing Lender
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:
Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000
Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint
The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:
- Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice.
- Race, color, religion, sex, marital status, national origin, or ancestry.
It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one to four-unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:
1350 Front Street, Suite 3064
San Diego, CA 92101-3687
2550 Mariposa Mall, Suite 3070
Fresno, CA 93721-2273
1651 Exposition Boulevard
Sacramento, CA 95815
P.O Box 137000 (mailing address)
Sacramento, CA 95813-7000
1515 Clay Street, Suite 702
Oakland, CA 94612-1462
320 W. 4th Street, Suite 350
Los Angeles, CA 90013-1105
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other id