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
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:
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:
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!