Home Loan - Frequently Asked Questions

Home Loans Frequently Asked Questions
 
 
 

Have Questions? We’ve Got Answers.

At Citizens Bank Mortgage, we know that buying or refinancing a home is a big decision—and you deserve clear, honest answers every step of the way. That’s why we’ve put together this helpful FAQ page to guide you through the most common questions about our mortgage process, loan options, and our exclusive "Close with Confidence" Promise* (more on that below!). Whether you're just starting your homeownership journey or looking to refinance, we’re here to make the process simple, fast, and personal.

Ready to Apply
 
 

Frequently Asked Questions

 

We’re your hometown bank’s new mortgage division—offering a better way to buy, build, or refinance your home. Trusted local service, fast approvals, and smart online tools make it easier than ever.

 

We offer the best of both worlds:

  • A fast, tech-powered process
  • Personal support from a local banker
  • Easy online applications
  • A wide range of mortgage options
  • And our exclusive “Close with Confidence” Promise* (more on that below!)




 

Nope! Everyone is welcome to apply—we’d love to help you find the right home loan, no matter where you are currently banking. 

To qualify for our exclusive “Close with Confidence” Promise*, simply maintain a Citizens Bank checking account with at least one recurring monthly direct deposit. (See below for details)

 

We offer loans for:

  • First-time homebuyers
  • Conventional loans
  • Adjustable-Rate Mortgages (ARM)
  • Jumbo Loans
  • Refinance
  • Construction loans
  • Refinancing options


 

You can apply online anytime at apply.thecitizensbank.net, or stop by your local branch to get connected with a mortgage banker. We’ll guide you every step of the way.

 

 

Every loan is different, but our technology helps speed things up—and having a personal mortgage banker makes it smoother and less stressful.

 

It’s our promise to you: if interest rates go down, within 12 months after you’ve closed your loan, you can refinance with no origination fees from us. We’ll help you lock in that lower rate—without the usual refinance hassle.*

 

 

You can refinance as soon as rates drop. As long as you’re within 12 months of closing, you can lock in that lower rate with no added origination fees. *

 

 

 

Yes! The “Close with Confidence” Promise* applies to any fixed rate loan originated through Citizens Bank Mortgage. (See qualifications below)

 

 

Great question, we’re here to help! Whether you’re ready to apply or just starting to explore your options, our mortgage team is happy to answer your questions—no pressure, no jargon.

Contact us at:
(844)350-8512 or stop by any Citizens Bank branch!

 

 

*Origination fees paid by Citizens Bank. Fees for services not controlled by the bank—such as appraisal, title insurance, and government recording—may still apply. Offer valid only for mortgages originated by Citizens Bank Mortgage as of June 2, 2025. Limited to one use within 12 months of your most recent mortgage closing date. Offer valid for 12 months from the closing date of your current mortgage. Customer must contact the bank for eligibility and current rates. Current Interest rate must be at least 1% lower than the original interest rate at closing, based on current market rates. Customer must maintain a Citizens Bank checking account with at least one recurring monthly direct deposit. All other mortgage terms and eligibility requirements apply. See bank for details. NMLS ID: 794298. Member FDIC.
 NMLS ID:  794298