Home Loans and Rates

Whether you're looking to pay off existing debt or make that big purchase, a Citizens Bank Personal Loan can help you achieve your financial goals. Have you seen them? Select Language English French. Wow, your first house. Create a long-term debt management plan. Find a TD Bank near you Go. If you default on your loan, your lender can assume ownership of the collateral.

Key Features

A Simple Way to Borrow for a Specific Goal

Average Personal Loan Rates by Credit Rating $10, Loan - 3 Year Term ; Credit Rating If you have decent credit, you can look into taking out an unsecured loan with your bank. One of the. Rate will be % below Prime** for the life of the loan with the floor as the "start rate". 5 year interest only draw period, followed by a 15 year principal and interest repayment period. Line of Credit. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A.

Flexible financing with competitive rates

Fixed Rate

Please call us for other terms. Maximum Commercial Loan Amount: If you are looking for control and flexibility, consider using your commercial real estate, personal residence or investment property to obtain a line of credit for your small business. You may call or email one of our lending professionals for additional information. The following items will be required with your application.

Maximum Multi-family Loan Amount: Rates can be fixed for the first 3, 5, 7 or 10 years. The website you have selected is an external one located on another server. Bogota Savings Bank has no responsibility for any external website. We neither endorse the information, content, presentation, or accuracy nor make any warranty, express or implied, regarding any external site.

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We recommend you do not include your social security or account number or other specific identifying information. Credit Card Account Access. Send us a Message. Father yells from other room while daughter is still working on tablet. I can't find my car keys. Have you seen them? Daughter closes out of application. I'll be right there. At any point, you can save your application for later.

Daughter enters with keys. Let me grab my coat, we'll run to the bank and see what they have to offer. Close Up of Daughter. No need to Dad, we're good. Close Up of Father. Honey the rates are low right now we should try to lock it in if we can. Daughter pulls phone out of pocket and starts to log into app as she leaves.

We can do it right now. Daughter and Father sit on couch. Pick up where you left off even on a different device and… Daughter holds up phone and Do you want to lock your rate? Is on the screen. She touches Lock in my rate and Loan summary screen loads VO: Lock your rate to avoid the risk of rising rates, or leave it open and lock later.

Father looks at screen. Daughter touches lending specialist button. Alright but what if you have questions? I can talk to a lending specialist if I want. Daughter finishes transaction on the phone while father watches. You're in control every step of the way.

Daughter leans her head on Father's shoulder. Wow, your first house. That really is something. I couldn't have done it without you Dad. Father enters with a pizza. Home Loans and Rates. What are your home loan goals? Buy a home Lower my monthly mortgage payment Pay off my mortgage sooner Use my home's equity for a major expense Consolidate debt Buy my first home. Let us help find the home loan that's right for you. Get a call back from one of our lending specialists. We ask for your ZIP code because we need to know your time zone so we can call you during the appropriate business hours.

We ask for your email address so that we can contact you in the event we're unable to reach you by phone. If you're concerned about receiving marketing email from us, you can update your privacy choices anytime in the Privacy and Security area of our website.

Mortgages Refinancing Home Equity. Please wait a moment while we retrieve our low rates. Our home loans — and low home loan rates — are designed to meet your specific home financing needs. Get Started Learn more about mortgages. Rate The rate of interest on a loan, expressed as a percentage.

Annual percentage yield APR The annual cost of a loan to a borrower. Points An amount paid to the lender, typically at closing, in order to lower the interest rate.

Fixed-rate mortgage A home loan with an interest rate that remains the same for the entire term of the loan. Adjustable-rate mortgage ARM Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.

Our calculator is unable to display your results. Our experienced lending specialists are ready to help you with your financing needs: Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit credit score or higher ; your actual APR may differ depending on your credit history and loan characteristics.

Accuracy is not guaranteed and products may not be available for your situation. Payments shown here are calculated on the basis of principal, interest and if applicable any required mortgage insurance, and do not include taxes and home insurance, which will result in higher monthly payments. Select the About ARM rates link for important information, including estimated payments and rate adjustments.

Refinance your mortgage with our low refinance rates — and potentially lower your monthly mortgage payment. Get started Learn more about refinance. Leverage the equity in your home and consolidate debt or pay for major expenses with a home equity line of credit. Apply now Learn more about home equity. You could enjoy a low variable introductory rate on a home equity line of credit.

Important rate and payment information. The Variable Intro Rate is calculated by subtracting 1. No customer or other discounts are available during the Variable-Rate Introductory period. See Home equity assumptions link for important additional information. Rates are for illustrative purposes only, are subject to change without notice, and assume a borrower with excellent credit.