The following section is not intended for review by residents of Arizona, Hawaii, Texas or West Virginia.

Save Money with AdvantagePlus!

AdvantagePlus from CitiFinancial^® helps you Balance Your Budget^® with an adjustable-rate home equity loan. It's the perfect alternative to higher-rate personal loans or credit cards. AdvantagePlus is a fully secured home equity loan that lets you borrow more with an affordable monthly payment. Plus, you can get your rate fixed for the first 12 or 24 months of your loan, it's your choice. Both the 12 and 24 month loans have a rate cap over the life of the loan, which means your loan never adjusts more than 2% each year*. Your loan could even decrease! Choose from flexible terms and receive fast, convenient service. AdvantagePlus allows you to save even more because the interest paid on your home equity loan is usually tax deductible**. This is a great way to pay off higher-rate loans and credit cards. Complete our easy online application now!

Before you refinance your existing balance to obtain additional money, you should carefully consider the advisability of increasing your debt, your monthly obligations, and the term of repayment. The overall cost of refinancing an existing loan balance may be greater than the cost of separate financing, if it is available.

*  Rate can increase or decrease a maximum of 2% on any Change Date with a maximum of 2% in a 12-month period. Interest rate is based on the "Prime Rate", as published in the "Money Rates" section of The Wall Street Journal, plus a margin, and is never greater than 18.90%. The following states have lower rate caps: FL, with a second mortgage rate cap of 18.00%; KS, ME and VT, with first mortgage and second mortgage rate caps of 18.00%; MA, with a second mortgage rate cap of 18.00% on properties valued at less than $40,000; NC, with first mortgage rate cap of 15.00% and second mortgage rate cap of 18.00% on properties valued at less than $25,000; TX, with a second mortgage rate cap of 17.90%; and WV, with first mortgage and second mortgage rate caps of 16.50%. State rate caps based on a minimum advance of $10,000.
** Consult your tax advisor for details.

Equal Housing Lender