I have a side business in financial services. I am an independent contractor and I market CITI Group's products and services. One of our products, our refinance mortgage, is done through CITICorp Trust Bank. This bank was developed just to work with our clients. We offer only fixed-rate mortgages. There are many benefits to our loan where our goal is to reduce overall cost (Principle + Interest) and overall time in debt. Contact me with any further questions or a complimentary solution workup.

Benefits:

No Private Mortgage Insurance (PMI), aka Mortgage Insurance Premiums for FHA loan (MIP)
Any term down to 7 years
Seperate escrow
Simple interest vs. 30 days scheduled
Don't sell our loans
Auto-draft reduces interest rate by .25%
No out-of-pocket expenses including appraisal
Borrow up to 90% of the property value
Bi-weekly payments at no charge
Complimentary financial needs analysis

I absolutely recommend that anyone paying a mortgage take a look at a solution. These mortgages are designed to pay off in 19-22 years for a 30 year term without paying extra. With the daily simple interest and bi-weekly payments, your whole loan re-ammortizes every 14 days! That's like cancelling 16 days of interest charged in a 30 days scheduled mortgage. We are the only bank offering anything other than a 30 days scheduled mortgage. You don't have to understand what I am saying, I can show you the bottom line in time and cost.

www.primerica.com/kerijohnson