Mortgage Refinance Rates | Today's Mortgage Refinance Rates | Citizens

Ready to Refinance

With a home mortgage

These rates and payments are based on a $300,000 loan amount.

30-Year Fixed Rate

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15-Year Fixed Rate

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Save more with rate discounts

Rates shown include 0.125% autopay and paperless discount¹

Save even more when you set up automatic payments from any checking account and enroll in electronic Mortgage billing statements.¹

More information on rates and repayments

#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=30 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming refinance loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
#ProductLine=Mortgage|Brand=citizensbank|Region=OH|NAME=Conforming Fixed Rate Mortgage - Refinance|Descr=15 Year Fixed Rate|ProductAttribute=PAYMENT_STREAM_URL#

This payment example assumes no subordinate financing.

Rates listed above are for conforming refinance loans, are effective as of #ProductLine=Mortgage|Brand=citizensbank|BrandAttribute=RATE_UPLOAD_DATE# and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.

Whatever your mortgage refinancing needs are, we'll provide answers and insights to guide you through the process, from application to closing.

Ready to Apply?

We’ll help you every step of the way via our online application. Complete your profile and upload documents for your new home loan all online!

We’re excited to offer our customers a fast and simple way to apply and qualify for a home loan with our new online application process.

Apply Now*

Still have some questions?

Our team of mortgage refinance experts at Citizens is committed to helping customers find the home loan solution that’s right for them.

Find a Loan Officer

Call 1-888-514-2300

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Citizens Easy Online Mortgage Application

Watch a video to see how easy it is to apply online.

– Springfield, MO

They went above and beyond to answer any questions we had along the way. They were great at communicating and keeping us in the know.
– Elmwood Park, NJ

They answered all my questions and requests within minutes. Besides being very timely they are very understanding to the customer's needs.
– Southhampton, PA

Was made to feel important and was at ease with the process

1. Get Started

Figure out your financial goals. Lower monthly payments, payoff your loan sooner or take cash out?

2. Consider the Costs

Talk to a loan officer about your plans. Ask about rates and fees. Weigh your options.

3. Find the Right Fit

If it’s the right time for a refinance, choose the borrowing solution that gets you where you want to be.

4. Apply for Your Refinance

Gather the information you’ll need for the loan and complete your application.

5. Close Your Loan

Review and sign your loan documents, then celebrate being closer to achieving your goals.

Home Refinance FAQs

Refinancing your mortgage could serve any of the four purposes:
1. Lowering your interest rate
2. Changing your loan type
3. Altering your loan repayment term
4. Cashing out equity
Getting a mortgage refinance is similar to the process you went through to apply and qualify for a mortgage to buy your home. You'll complete an application, receive disclosures, and provide many of the same documents as before, plus details on your current mortgage. Depending on the type of refinance you choose, you'll likely need anywhere from 5% to 20% equity in your home to qualify. Keep in mind that if you have less than 20% equity, you may still be required to pay mortgage insurance.

Click here to learn more.
Applying for a mortgage refinance involves providing personal information and financial documents. Preparing these documents beforehand helps you get jumpstarted on the process.

You'll need documents related to the five categories:
1. Employment income
2. Business income
3. Assets
4. Credit
5. Property
Click here to learn more.

Home Loan Originator NMLS Status

Our Home Loan Originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Check your loan originator's status here.

Existing Mortgage Customers

Find information about your existing mortgage account, payment options and ways to contact us. Customer Service Representatives are available Monday-Friday 8 a.m. to 8 p.m. ET at 1-800-234-6002.

(NMLS ID# 433960).

Mortgages are offered and originated by Citizens Bank, N.A. All loans are subject to approval.

Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903

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¹In the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA ,VT, a Citizens consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a 0.125 percentage point mortgage interest rate discount. All other states require a consumer checking account set up with automatic monthly mortgage payment deduction. E-statement enrollment is required at time of loan origination to be eligible for the 0.125 percentage point interest rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.

Ready to Refinance

Today’s Mortgage Refinance Rates