At Citizens Bank® we want to help make your dream of owning a home a reality. That’s why we created our closing cost and down payment assistance program.* When you buy a home, you may be eligible for a grant of up to 3 percent of your loan amount or $2,500, whichever is less. It’s applied to your closing costs or down payment, and no repayment is required.

Eligibility requirements:

• You are purchasing your primary residence. • You are buying in a low-to-moderate census tract or have low-to-moderate income. • You have not owned a home in the last three years.• You are purchasing a home in Connecticut, Delaware, Massachusetts, Michigan, New Hampshire,

New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont or Virginia.

To learn more about this program or to find out if you might qualify, speak with a Citizens Bank loan officer today.

For mortgage financing information, contact:

We help citizensbecome successful homeowners.And that includes you.

*Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply. Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Member FDIC. Equal Housing Lender. © 2019 Citizens Financial Group, Inc. All rights reserved. HLFL2017T_554769_CCDP (11/18)

Jay GoldrickNMLS ID# 408627Loan Officerc - 339.235.0310jay.goldrick@citizensbank.comlo.citizensbank.com/jgoldrick