You are a resident of Canada, but do not reside in Nunavut

You have reached the age of majority in your province of residence

You have been discharged from bankruptcy for at least 7 years (if applicable)

You have some established credit history.

You have the ability to make monthly payments in order to pay off your loan.

You need the loan for personal, family or household purposes.

To qualify for a CitiFinancial Home Equity Loan, First Mortgage Loan or a Refinance Loan, you must also be the owner of the property securing the loan, and the property must be your primary home.

Interest rates are based on various factors, which include your income, credit score and payment history.