Refinance Your Home
Refinancing can help you pay off your loan faster, get cash for home improvement, or lower your monthly payment.
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With $500 off closing costs, it pays to refinance with Citi
To make refinancing even easier, you'll get a $500 discount to help with closing costs.*
Offer cannot be combined and additional details apply.
Get StartedToday's Refinance Rates
Based on a mortgage in Los Angeles, California.
Rates effective as of 3/9/2016 5:32 PM. Compare more rates.
Budget with Citi mortgage calculators
Our calculators help you explore your refinancing options and determine how much you can afford.
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Refinance calculator
Compare the possible savings of a refinance loan to your current mortgage.
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Mortgage payment calculator
See what your monthly mortgage payments would be based on loan amount, interest rate and loan term.
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Additional payment calculator
Find out how much interest you could save over the life of your loan by making extra mortgage payments.
What you need to know before refinancing
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Thinking about refinancing your home?
Learn about the pros and cons of refinance mortgages, how long it takes to see savings and how your credit can have an impact.
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Refinancing rates and options
Each type of refinance mortgage comes with several advantages and important considerations. Learn how to choose the right refinancing rate.
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The refinance application process
From completing an application to getting approved and closing, refinancing isn't very different from when you bought your home. Here's what to expect from the mortgage application process for refinancing.
Start your mortgage application
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*The $500 credit at closing may not be applied to the appraisal fee. It may be applied to standard loan costs that are charged at closing and may include customary third-party and government closing costs. Mention offer code 10818 when calling. Offer cannot be combined with any other offer. Offer may be modified or withdrawn at any time without notice. In Texas, the credit may not result in your receiving cash back. Offer not available on home equity loans and lines of credit. If you are interested in Citi's banking account relationship offers, please contact your Mortgage Representative to see what offer is best for you.