8 minute read
Unlock special Citi mortgage discounts
When you bank at Citi, enjoy: $500 off closing costs* or 1/8% — 5/8% off interest rate
Ask how you can take advantage of Mortgage Relationship Pricing
Michael Ciglar
Home Lending Officer
925-998-5478 michael.ciglar@citi.com citi.com/michaelciglar
NMLS# 240274
Limah Mangal
Home Lending Officer
510-706-7884 limah.mangal@citi.com citi.com/limahmangal
NMLS# 633576
Sujata Singh
Home Lending Officer
925-786-7060 sujata.singh@citi.com citi.com/sujatasingh
NMLS# 413571
* Citi Mortgage Relationship Pricing A Citibank deposit account is required to receive the interest rate discount or closing cost credit. Automated monthly transfers of the mortgage payment from a Citibank Deposit Account using automated drafting will be required. Actual interest rate discount or closing cost credit will depend on the level of the Citi Eligible Balances, which will be verified after final loan approval. Deposit Account Balances must be in the account five (5) Business Days following final loan approval and Investment Account balances must be in the account six (6) Business Days following final loan approval. Citi eligible accounts include a personal, consumer Citibank Deposit Account in which the borrower is a direct signer, Citibank IRAs, and Investments held in linked Citigroup Global Markets Inc. (“CGMI”) accounts. The borrower must be an account holder on investment accounts. IRA and annuity positions shown on linked CGMI Account statements are eligible (except tax qualified annuities under sections 401, 403, or 457 of the Internal Revenue Code). Balances from Citibank Business / Commercial accounts, ERISA accounts, Keogh accounts, Bank Collateral accounts, Foreign accounts, Fiduciary accounts, and Trust accounts where the borrower is only listed as the Beneficiary are excluded. All Custodial type accounts are excluded with the exception of Custodial IRA accounts through Citibank or Pershing LLC where the borrower(s) is the beneficiary, which are eligible unless otherwise noted. Citibank IRAs that are not linked to a Citibank Deposit Account are excluded.
Citi Eligible BalanceRelationship Pricing Benefit
$1 – $49,999.99 $500 off closing cost
$50,000 – $199,999.991/8% (0.125%) off interest rate
$200,000 – $499,999.99 1/4% (0.250%) off interest rate
$500,000 – $999,999.993/8% (0.375%) off interest rate
$1,000,000 – $1,999,999.991/2% (0.500%) off interest rate
$2,000,000 or more5/8% (0.625%) off interest rate
The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back.
If you are interested in Citi’s banking account relationship offers, please contact your Home Lending Officer or Mortgage Representative. Speak to your loan officer about whether the relationship offer is best for you.
Citibank Mortgage Relationship Pricing for Citibank account holders can only be applied prior to loan closing and is subject to account and balance validation. Citibank Mortgage Relationship Pricing is subject to change without notice.
Glossary of terms for this offer: Business Day means Monday through Friday and does not include federal holidays; Eligible Balances means total funds showing in the account at the time we verify the balances less any funds we determine you will need for a down payment or closing costs; Deposit Account means a Citibank personal checking and/or savings account as well as certificates of deposit and money market accounts; Investment Account means IRAs and investments held in Citigroup Global Markets Inc. accounts.
Terms, conditions and fees for accounts, programs, offers, products and services are subject to change without notice at any time. Offer may be modified or withdrawn at any time without notice. Offer cannot be combined with other offers, except when applied with specific Community Lending Programs. Offers are not applicable on Home Equity Loans and Lines of Credit. This is not a commitment to lend.
This offer contains information about U.S. domestic financial services provided by Citibank, N.A. and is intended for use domestically in the U.S. Investment products are offered through Citigroup Global Markets Inc. (“CGMI”), Member SIPC (http://sipc.org). Citibank and CGMI are affiliated companies under the common control of Citigroup Inc.
© 2023 Citibank, N.A. NMLS# 412915. Member FDIC and Equal Housing Lender. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
You want a dentist with over 100 5-star reviews
You want a dentist with over 85 5-star reviews
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“Dr. Ho is an excellent dentist that handles her patients with “kid gloves”. She is a caring person, plus a very “smart” dentist. If you have children in need of dentist or if you are a adult in need of dentist that will make your experience a good one, please give Dr. Ho a try. Thank you.” - Elton C., Richmond, CA
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2150 Appian Way, Suite 104
Pinole, CA 94564
(510) 724-4327
1534 Tennessee Street
Vallejo, CA 94590 (707) 554-6660
“Life was like trying to hear through a closed door and Bay Area Hearing Services opened that door.” www.bayareahearingservice.com www.twogoodears.com
— Delighted Patient
YOUR MOST TRUSTED HEARING AID OFFICE IN PINOLE. 15 YEARS AND GOING STRONG, VISIT US TODAY.
Our mission at Bay Area Hearing Services and Advanced Instruments Hearing Aid Service is to go above and beyond your expectations. We treat our patients like family. Everyone is welcome!
Introducing our Buy Back program!
usually come in with a slight bit of anxiety over what to one of these as an opportunity to do good in the world. A great singer I admire, Toby Mac says, “Be kind, for
2150 Appian Way, Suite 104 Pinole, CA 94564
• FREE hearing test
We will buy back your used hearing aids and give you a credit of up to $800 towards your new OMNIA hearing aids with state-of-the-art Bluetooth technology. Hearing aids are now smaller and smarter. Hidden out of sight, they connect directly to your electronic devices by using your Bluetooth to stream your favorite TV shows, hands-free phone conversations and music. And the one thing you won’t ever need to do again – change batteries!
(510) 724-4327 www.bayareahearingservice.com
1534 Tennessee Street Vallejo, CA 94590 (707) 554-6660
• FREE test drive of state-of-the-art hearing instruments
“Life was like trying to hear through a closed door and Bay Area Hearing Services opened that door.” — Delighted Patient www.twogoodears.com
$900 O FF
We are excited to introduce ReSound’s OMNIA – made for hearing in noise! Wouldn’t it be a relief to enjoy an activity or celebration with friends and clearly hear and understand the voices around you? Now you can with ReSound OMNIA, which enables you to hear speech in noise in any direction.* Best of all, it all sounds and feels natural and connects you naturally to the world.
• FREE follow up care and service appointments Premium
Introducing our Buy Back program!
Whether it be helping a neighbor or a stranger, or improving a patients' hearing which in turn improves their lives and relationships... Speak Life, build up and improve lives every
ReSound OMNIA™ - made for hearing in noise.
We will buy back your used hearing aids and give you a credit of up to $800 towards your new OMNIA hearing aids with state-of-the-art Bluetooth technology.
HEAR TROUGH THE NOISE
150% improvement in speech understanding in noise*
Hearing aids are now smaller and smarter. Hidden out of sight, they connect directly to your electronic devices by using your Bluetooth to stream your favorite TV shows, hands-free phone conversations and music. And the one thing you won’t ever need to do again – change batteries!
Bay Area Hearing Services.
ALL WEATHER-PROOF DESIGN
Wear your hearing aids in all weather, even with an active lifestyle
We are excited to introduce ReSound’s OMNIA – made for hearing in noise! Wouldn’t it be a relief to enjoy an activity or celebration with friends and clearly hear and understand the voices around you? Now you can with ReSound OMNIA, which enables you to hear speech in noise in any direction.* Best of all, it all sounds and feels natural and connects you naturally to the world.
OPTIMAL COMFORT ON THE EAR
Forget you’re wearing hearing aids
ReSound OMNIA™ - made for hearing in noise.
HEAR TROUGH THE NOISE
150% improvement in speech understanding in noise*
ALL WEATHER-PROOF DESIGN
Wear your hearing aids in all weather, even with an active lifestyle
What sets us apart from others in our industry is the way our patients are treated. We are a patient centered, care giving, ethical practice. From the moment you receiving your hearing aids, you will experience a level of kindness and care like no other.
OPTIMAL COMFORT ON THE EAR
Now is a great time to make sure your hearing is at its best. With this ad you will receive FREE Hearing evaluations and FREE Clean and Check of your current hearing aids for new patients. Appointments are limited, so call (510) 724-4327 (Pinole) or (707) 554-6660 (Vellejo) today to reserve yor space. We look forward to seeing you and helping you hear the things that matter most.
Our patients can’t say enough about how much they love their Resound One hearing aids. Best hearing in background noise we have ever experienced. Our patients hear better than they ever thought possible, the clarity is amazing. They get their confidence back and can enjoy their families again. You can have the same experience — just make the call! Schedule your first appointment, see, and hear for yourself. It’s your first step toward better hearing!
Forget you’re wearing hearing aids
Now is a great time to make sure your hearing is at its best. With this ad you will receive FREE Hearing evaluations and FREE Clean and Check of your current hearing aids for new patients. Appointments are limited, so call (510) 724-4327 (Pinole) or (707) 554-6660 (Vellejo) today to reserve yor space. We look forward to seeing you and helping you hear the things that matter most.
Our mission at Bay Area Hearing Services and Advanced Instruments Hearing Aid Service is to go above and beyond your expectations. We treat our patients like family. Everyone is welcome! *Compared
Having a history of working with our local Ear Nose and roat (ENT) doctors and Audiologists has given us a huge advantage, allowing us to care for our patients with over 40 years combined experience. Our annual ongoing training ensures we are always up to date on the newest technology available for our patients.
Having a history of working with our local Ear Nose and roat (ENT) doctors and Audiologists has given us a huge advantage, allowing us to care for our patients with over 40 years combined experience. Our annual ongoing training ensures we are always up to date on the newest technology available for our patients.
Having a history of working with our local Audiologists has given us a huge advantage, allowing us to care for our patients with over 40 years combined experience. Our annual ongoing training ensures we are always up to date on the newest technology available for our patients.
