Citizens Bank Mortgage, RBS Citizens Mortgage

Both are subsidiaries of Citizens Financial Group, Inc, which is a commercial bank holding company with assets valuing nearly $140 billion. The company is owned by Royal Bank of Scotland, which also acquired Cleveland-based Charter One Bank in 2004, thus strengthening its presence in Illinois, Michigan and Ohio as well. Citizens Bank came into existence in 1828 as High Street Bank in Providence, Rhode Island. After its acquisition by the Scotland-based RBS Group in 1988, it went on to become one of the ten largest banks in the US in recent years.

Charter One Mortgage

Existing Charter One customers should visit ccomortgage.com in order to check their account status online. Citizens Bank CCO Mortgage Corp also provides detailed information regarding the loan modification programs, short sale process, payoff phone number and the contact details of loss mitigation department & main headquarters and payment address to the existing borrowers. For any complaints or to report online fraud or get more on servicing details, they can call 1-800-234-6002 to contact a customer service representative. They can also call 1-877-CHARTER to contact Charter One official and get information regarding servicing, refinance and loan modification options.

RBS Citizens Mortgage

New customers can visit either citizensbank.com or charterone.com to get the product details and apply online. Among the various loan options you will find a unique Circle Gold Mortgage Advantage that allows you to open a banking account and obtain a rebate of 1/8% on your mortgage rate also. It is often a good idea to buy points in order to reduce interest rates, and thus the monthly payment. Citizens bank offers online mortgage calculator to help you know whether you should buy points as buying these will increase your down payment amount significantly.