*Available only on FannieMae, FreddieMac, VA, FHA and USDA fixed rate loans. Not available on portfolio in-house ARM’s. Must have a valid approval letter and written Loan Estimate dated the same day as our quote. The origination charges/points must be identical to Citizens Bank’s origination charges/points, subject solely to Citizens Banks’ determination. If the other Loan Estimate and Closing Disclosure shows an equivalent or lower interest rate and/or closing costs package for the same loan program we offer, we’ll beat that lender’s rate or beat the total loan closing costs by $500, or pay you $500. To receive the $500, you must provide a signed, executed copy of the final Closing Disclosure within 30 calendar days of your loan closing with another lender.