Do you know who on the earth besides you and your family care about your dream of owning a house? Citimortgage, the mortgage loan provider who cares as much as you do in your pursuit of a dream house!

With its headquarter in St. Louis, Missouri, CitiMortgage is a member of Citigroup family, which provides its customers with an expansive portfolio of financial services including banking, insurance, asset management, credit cards, while puts a stress in the high-quality mortgage products. No matter you are a first-time homebuyer, or someone who is seeking a refinancing of your house, with the help of CitiMortgage, you will be able to find the finance plan that fits your need, and helps you get your dream come true. Things are made simple and procedures are clearly presented on the website.

Buying a new home:
If you have no precedent experience in purchasing a home, and you consider it a really big deal, then don’t worry too much about it. Visit the website of CitiMortgage, and you can find relevant information that is of great help. Following the steps on the website, you can get a clear idea of what to do and how to do.
1: Determine how much you can afford: Just like what you do before you buy anything, a budget is important. Since you don’t have to pay the bill of the house the moment you buy it-you can get the house financed, you may be not clear about how much you can borrow from the financial institution and how much you should pay back every month if you get a loan. Here at CitiMortgage, you can use its compare loans calculator to estimate the amount of your monthly payment, and decide your budget.
2: Investigate special assistance programs for homebuyers: The next step will be to check to see if you’re eligible for a down payment subsidy or a lower-than-market mortgage interest rate, which will mitigate your financial stress if you are a qualified applicant.
3: Catch a HEC seminar: HEC stands for Homeownership Education and Counseling, which is a seminar organized by CitiMortgage to provide the platform for homeowners to get there questions answered and learn more about buying a home. You can find it using the Branch Locator.
4: Call CitiMortgage: In this way, you can get a tailored mortgage solution from experienced Loan Consultants.

Refinancing your existing home:
The motivation of refinancing your home is straight forward: to save money by taking advantage of the lower interest.
Two refinancing options:
Rolling your closing costs into your loan: this option is the more popular one, which has zero, or minimal, cash required at closing. Changing the type of loan you have: usually people do this before the interest rate begins to adjust.

What’s more, besides getting refinancing plans, you can also get home equity loans to:
Make Home Improvements: usually, people’s biggest investment and source of savings are their home and home equity. When they would like to improve their house conditions and add other equipment in their house, a possible way to get a loan is to borrow money using the home equity.
Pay Off Your Credit Cards: Since the interest on your mortgage is usually lower than the interest rate on your credit card, and also mortgage interests are tax deductible which is not the case with the credit card interest, it would be wise to consolidate your credit cards debt using the mortgage.
With the help of CitiMortgage, you are much closer to your dream house with less cost.