Toll-free · Mon-Fri 8am-10pm, Sat 9am-7pm EST · Must choose option 1-6, then wait on the line until transferred to a representative. · For active accounts, contact your current servicer. For accounts paid in full and requiring lien release, title release, or stock certificate, press 1. For documents or year-end forms, press 2. For privacy choice updates, press 3. For credit bureau disputes, press 4. To check the status of pending applications or apply for a loan, press 5. For any other questions, press 6.
How do I get through the phone menu to a live person?
GetHuman researchers routinely call this CitiMortgage phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Must choose option 1-6, then wait on the line until transferred to a representative.
Below are some clips we've found from CitiMortgage's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
The first phone menu
"Thank you for calling the mortgage team at Citibank.
This call may be monitored or recorded.
You have the right to file a written application for credit, Citibank is an equal housing lender.
If you would like to enter an extension, say enter extension or press one.
For information on purchasing a new property, say purchase or press two."
Excerpt from a call with CitiMortgage
Friday, February 2, 2024 7:45 PM
What are the hours and when should I call?
CitiMortgage operates the call center for this 800-248-4638 phone number Mon-Fri 8am-10pm, Sat 9am-7pm ET.The short answer is that you should call on a Thursday.This observation and the following section are based on analysis of a sample set of 313 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this CitiMortgage phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like CitiMortgage staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call CitiMortgage is Thursday.The most busy day to call is Monday.Again, this is based on a sample of 313 calls made with our AI-powered, web-based phone in the last 90 days.
The shortest wait on hold
We measured the shortest hold times to be on Monday.The longest wait in the queue on average occurs on Friday.
The best time to call CitiMortgage
In summation, the best day to call CitiMortgage is Thursday.This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that CitiMortgage staffs the call center well on Thursday.
Why Customers Call CitiMortgage
If you have time to do a bit of reading before you call CitiMortgage, we recommend you read over some of our problem-specific articles.
CitiMortgage is a leading provider of mortgage loans and services. It is a subsidiary of Citigroup, one of the largest financial institutions globally. CitiMortgage offers a range of mortgage products to help individuals and families finance their dream homes or refinance existing loans. With a trusted reputation and extensive experience in the mortgage industry, CitiMortgage aims to make the home buying process efficient and convenient. Their offerings include various loan options, competitive interest rates, and personalized guidance from knowledgeable mortgage professionals. CitiMortgage also provides online tools and resources to assist customers in understanding and managing their mortgages. Whether you are a first-time homebuyer or looking to maximize your existing mortgage, CitiMortgage strives to deliver reliable and accessible mortgage solutions.
To be eligible for a CitiMortgage loan, several requirements must be met. Firstly, individuals must have a stable and verifiable source of income, ensuring their ability to repay the loan. Secondly, a good credit history is crucial, with a minimum credit score of typically 620 or higher. Additionally, applicants should have a manageable debt-to-income ratio, usually below 43%. Both first-time homebuyers and existing homeowners can apply, although specific loan programs may have additional criteria. Other factors taken into consideration include the property's value, location, and purpose - whether it is intended for a primary residence, vacation home, or investment property. Each loan application is evaluated on an individual basis, considering these factors to determine eligibility. A consultation with a CitiMortgage loan officer can provide personalized guidance and assistance throughout the process.
At CitiMortgage, we offer competitive interest rates tailored to individual circumstances. The specific interest rates for our loans depend on various factors, such as loan type, loan term, credit score, and market conditions. As interest rates can fluctuate regularly, providing an exact figure here would not reflect the most up-to-date information. We encourage you to contact our mortgage specialists or visit our website to obtain the current interest rates for CitiMortgage loans. Our team is dedicated to understanding your unique needs and providing you with the most suitable loan options. By reaching out, we can offer personalized assistance and provide the latest interest rates available for your desired mortgage loan.
Click the link above to get answers to just about any CitiMortgage customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
More CitiMortgage Customer Service Contacts
There are of course other ways to contact CitiMortgage customer service besides the phone. Below we list the best ones, by medium.
CitiMortgage Customer Service on X (formerly Twitter)
Citi Twitter feed, if you know a person's first and last name, either of these work.
CitiMortgage, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
undefined Customer Service on Facebook / Messenger
Some customer service teams, like that of CitiMortgage, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
As a last, sometimes only, resort- CitiMortgage customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is CitiMortgage's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a CitiMortgage agent. This phone number is CitiMortgage's best phone number because 1,878 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-248-4638 include Request a loan, Eligibility question, Repayment question, Overcharge/Strange charge, Extension and other customer service issues. Rather than trying to call CitiMortgage first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or facebook or twitter. In total, CitiMortgage has 2 phone numbers. It's not always clear what is the best way to talk to CitiMortgage representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for CitiMortgage. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like CitiMortgage. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.