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  • Personal borrow left illustration

    Home Loans

    Relationship pricing for new mortgages to maximize your home loan savings.

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  • CIT Bank mortgages are the smarter way to finance your home

    House with dollar sign

    Lower your mortgage rate with a Savings Builder account

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    Get $525 cash back on your next funded loan

  • Get started

    For more information and assistance call us directly at 800-217-6629. Monday through Friday, 7 a.m. to 6 p.m. (PT).

  • Fixed rates

    CIT offers 10-, 15-, 20-, 25- or 30-year loan term. The lower your loan term, the quicker you’ll pay off your home loan and the more you will save on interest.

    Relationship pricing

    Get $525 Cash Back deposited into your CIT Bank or OneWest Bank account after you close your new home loan with CIT Bank! 

    Further reduce your mortgage rate with the following relationship discounts:

    • 0.10% with 10% of the loan amount in new deposits
    • 0.20% with 25% of the loan amount in new deposits

  • Couple discussing down payment with realtor

    Lower down payments

    Offering you the flexibility to qualify for a mortgage with a lower down payment, CIT Bank offers FHA, Fannie Mae mortgages, plus our exclusive bank portfolio programs for well-qualified borrowers. CIT Bank portfolio programs do not require you to pay for private mortgage insurance on loan amounts up to $2,000,000. 

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    Lower monthly payments

    CIT Bank offers:

    • Portfolio interest-only 5/1, 7/1, 10/1 loans
    • 30-year, fixed interest-only loans for well-qualified borrowers who want the lowest rate and payment options 

  • What customers are saying about CIT Bank home loans

    “Online processing was awesome so was my loan officer.  Very knowledgeable and made the process easy :) ” – Norma M.

    “Excellent responsiveness, attention to detail, clearly defined process.”
    – Vishal S. 

    “Great rate and much easier than I expected to deal with via email; very responsive.” – James C.

    “The team did a great job with my refinance. Very transparent and communicated each step of the process. Would recommend to family and friends.” – Omar O.

  • Top 10 Best Online Banks of 2018
    GOBankingRates' Top 10 Best Online Banks of 2018
    Bankrate’s Safe & Sound® Five Star Rating Q2 2017
    Bankrate’s Safe & Sound® Rankings

    Your hard-earned money deserves a hard-working bank 1

    Competitive rates. Expertise. Results. These are what our customers value and what we deliver on day in and day out. Now the industry has taken notice. Take a look at our awards and accolades.

  • Equal

    Equal Housing Lender