MORTGAGE LOANS

Whether you’re purchasing a home, buying a vacation property or refinancing—the right mortgage awaits.

Mortgages that make you feel right at home.

Stepping through the threshold of your new home starts with the right mortgage loan.

Start-to-Finish Personal Service

A dedicated Residential Loan Consultant will walk you through every step of the homebuying process.

Affordable Homebuying Options

Whether it’s your first home or next home, our low down payment options make owning your dream home more accessible.

Homebuying Resource Center

Our online resources can help simplify your path to homebuying. We’re here to help you on your journey.


Design your mortgage to fit your plan.

Buying or refinancing a home is an important decision — one that should align with the rest of your goals.
City National offers home-financing solutions that can complement your overall financial plan.


Get Up to $20,000 Toward a Home Purchase or a Refinance1

The City National Ladder UpSM Home Loan Grant may be used for down payment, closing costs or buying down the rate.



City National Home Loan Solutions

We offer a variety of home loan options and a dedicated team to streamline your homebuying process.

Low Down Payments

We offer fixed-rate mortgages with down payments as low as 3%.2

Fixed-Rate Mortgages

Fixed-rate mortgages have a set interest rate that remains "fixed" throughout the life of the loan. We offer fixed-rate-mortgages with fully amortizing payments.

Adjustable-Rate Mortgages

Adjustable-rate mortgages, also known as ARMs, have interest rates that fluctuate over time. We offer ARMs, including interest-only loans and fully amortizing payments.3

Jumbo & Super Jumbo Home Loans

We offer conventional, jumbo and super jumbo mortgages with loan amounts up to $10 million. City National can also lend to trusts and LLCs.4

Relationship discounts available with qualifying City National deposits.5

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FEATURED CONTENT
Homebuying Resource Center
Our online resources can help simplify your path to homebuying. We’re here to help you on your journey.


Contact Us
Whatever questions you might have about your mortgage loan, we're here to help.

Give Us a Call.

Call us at (800) 700-6901 if you have questions about your mortgage loan.

Send Notices of Error or Information Requests.

If you have an information request, notice of error, or qualified written request about your existing City National Bank mortgage, you must write to us at
City National Bank, P.O. Box 60938, Los Angeles, CA 90060-0938.


All loans and lines of credit are subject to credit and property review and approval. Loans must be secured by a first lien on a 1-4 family residential dwelling. Additional terms and conditions apply. Not all applicants will qualify. All stated rates, terms and discounts are subject to change without notice.

1 If receiving a grant, you may not receive cash back at closing. Lender grant is available only on closed transactions when all conditions have been met. Borrowers may receive only one grant every 36 months. This grant is non-transferrable, cannot be applied retroactively, and may not be redeemed for cash. Additional terms and conditions apply. This is not a loan approval or a commitment to lend. Depending on your tax situation, the grant may be taxable income to you. If taxable, City National will send a tax reporting form. City National does not give tax advice. You should consult with a tax advisor on the potential effects of this grant on your taxes. Property must be in a qualifying market in California, New York or New Jersey.

2 Mortgage insurance is required for loans with less than 20% down payment. Down payment requirements: For conforming-balance loans, a minimum 3% down payment applies only if the property has 1 unit and all borrowers live in the property. A minimum 5% down payment is required if the loan has a borrower who does not live in the property or for 2- to 4-unit properties. For high-balance loans, the minimums are a 5% down payment for 1-unit properties, 15% down payment for 2-unit properties, and 25% down payment for 3- or 4-unit properties. As of May 21, 2024, a loan with a 3% down payment, $400,000 loan amount, and an APR of 7.73% will have a monthly principal and interest payment of $2,831 for 360 months. This monthly payment does not include homeowner’s insurance, mortgage insurance or property taxes. Actual payment obligations will be greater.

3 Interest-only available for 5 and 7 year adjustable-rate mortgages (ARMs) only. During the initial fixed-rate interest-only period, you will not pay down the loan's principal balance. Once the interest-only period ends, your payments will increase to pay back the principal and interest. For ARMs, interest rates and payments may increase after the initial fixed-rate period based on an index published by the Federal Reserve Board and a margin specific to your transaction. Any adjustment may significantly impact your monthly payment. The amount of any increase in rate has a maximum of 5%.

4 Additional fees may apply.

Relationship discounts available on jumbo and super jumbo mortgages only. To receive a relationship discount, qualifying deposits must be in an eligible City National account before the Closing Disclosure is issued. Not all deposits will qualify. For adjustable-rate loans, the relationship discount applies only during the initial fixed-rate period.