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Have the home you want. Pay off the student loans you have

Student loan debt can impact your ability to buy your first home, upgrade to a new home, or refinance the home you own. Our Associate Mortgage Program is a lending solution designed to help you manage your cash flow to achieve homeownership while paying down student loan debt.

By taking advantage of this program, you could potentially:

  • Own a home, or upgrade to a new home, sooner
  • Pay off your student loans faster
  • Build wealth and financial independence

 Citi Private Bank arranges the mortgage financing

Customized lending options may offer lower monthly payments during the early years of the loan, which can free up capital to pay down your student loan debt faster. 

  • Choose from a wide array of lending options, including adjustable and fixed-rate loans
  • Interest-only options available1
  • Up to 89.99% loan to value2
  • No private mortgage insurance required
  • Dedicated team provides customized financing to help meet your goals and objectives


CommonBond refinances your student loans

By refinancing your loans, you may obtain a lower interest rate and decrease your monthly payments, which may help you achieve your goal of homeownership.

  • Choice of a variable or fixed rate, as well as loan term
  • 0.25% rate discount if enrolled in autopay
  • No pre-payment penalties or origination fees
  • Award-winning customer service

CommonBond is an independent company that provides affordable student loans, student loan refinancing and educational products.

Visit CommonBond


With the Associate Mortgage Program, you are still able to make separate monthly payments: the mortgage payment to Citi Private Bank and the student loan payment to CommonBond.

For nearly 50 years, Citi Private Bank Law Firm Group has been a dedicated and trusted partner to the legal industry, providing customized financial strategies and tailored advice to lawyers and their firms. Our team is committed to understanding and serving your evolving financial needs throughout all stages of your legal career and beyond. We look forward to working closely with you to achieve your personal financial goals.

To get started with the Associate Mortgage Program, contact your Citi Private Bank representative.




1Subject to applicable Loan to Value requirements.
2Subject to qualifications.

Mortgage products and services are provided by Citibank, N.A., NMLS ID 412915. A mortgage commitment is subject to credit approval, a satisfactory sales contract, property appraisal, title search, mortgage insurance, if applicable, and fulfillment of all closing conditions. To be eligible for these services, you must qualify as a Citi Private Bank client. Call 1-800-667-8424 for information about service for those who are not eligible for private banking. To ensure quality service, calls may be monitored or recorded. Nothing contained herein should be construed as a commitment to lend by Citibank, N.A. or any affiliates.

An interest only loan permits the monthly payment for a period of time to consist only of the interest on your loan plus any applicable taxes and insurance. If you make only the interest payments, then at the end of the interest only period you will (i) owe the original amount borrowed, and (ii) have a higher monthly payment even if the interest rate stays the same.

For adjustable rate mortgages, the rate may increase after consummation at the conclusion of the initial rate period.