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Home financing

Whether you seek to acquire a new property, refinance an existing mortgage, or unlock liquidity from your real estate holdings, we can help meet your financing needs.

Home Financing
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Residential real estate can be a valuable component within your overall wealth strategy.

In recent years, our clients have increasingly sought properties in key locations around the world, whether for their own use, investment purposes, or as a way to store wealth.

We offer a comprehensive approach to financing and structuring home buying transactions.

Your dedicated mortgage specialist coordinates all aspects of the lending process until your transaction closes.

They begin the process by understanding your objectives and then customize a financing strategy aligned to your unique circumstances.




Among the benefits of our service are competitive interest rates, no maximum loan amount,1 and a sliding loan-to-value scale that reflects loan amounts and liquidity. We draw upon in-depth knowledge of key local property markets worldwide and our expertise in cross-border financing.

Your dedicated mortgage specialist partners with you to understand your unique objectives, develop a tailored financing strategy, and coordinate all aspects of the lending process. 

Thomas Stott
Head of Residential Real Estate - North America
How we serve you
Tailored financing strategies
We design innovative mortgage structures to fit your overall financial strategy.

Our offering includes fixed and adjustable rate mortgages, interest-only options,1 home equity lines of credit, dual-collateral mortgages, blanket mortgages, laddered loans and bridge financing.

We can assist in complex financial situations, including where there are multiple sources of income or alternative ownership structures.

We can also provide pre-approvals, which may give a negotiating advantage. 

Unique properties
Our clients frequently seek to acquire out-of-the-ordinary homes.

We have a deep understanding of the issues and challenges posed by many one-of-a-kind properties, such as vineyards, country estates, farms and ranches.

Our expertise and flexibility allow us to consider lending in situations where other lenders may not.

Intelligent ownership
Structuring the ownership of your property can help ease transitions, protect your privacy, and safeguard against legal challenges.

Working with your independent legal and tax advisors, our wealth planners can explore appropriate structures for your unique circumstances.

Possibilities include trusts, partnerships and limited liability companies, both on- and off-shore.

We can also help manage, oversee, and administer assets on your behalf.

Meet our people

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Thomas Stott sketch
Thomas D. Stott
Head of Investment Finance – Law Firm Group & Residential Real Estate
North America

Tom has overall responsibility for providing lending solutions to our law firm and lawyer clients across the region.

Previously, Tom was Chief Risk Officer for the Citi Private Bank in North America, overseeing credit, investment, market and operational risk.

He has also served as an Investment Counselor and Investments team leader for Northern California and Seattle, and Head of Investment Finance for North America.

Tom spent 30 years with Citi’s Corporate & Investment Bank and the Global Relationship Bank, holding a variety of senior posts, including Senior Risk Manager for the power, energy and chemicals and mining industries.

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Jeffrey Arestivo sketch
Jeffrey S. Arestivo
Head of Residential Real Estate Sales
North America

Jeff leads a team of 47 mortgage specialists and loan officers who  structure loans for clients across the region.

In his 30-year career with Citi, he has held a variety of roles, including Mortgage Director for Citibank North America, in which he led and grew a 500-person mortgage sales team. Jeff also served as Chief Administrative Officer for Citibank North America National branches, and as area director for all downtown Manhattan retail branches for 5 years. He started his career with CitiMortgage as a mortgage consultant.

Jeff has a bachelor’s degree in marketing from the University of Scranton and an MBA from Adelphi University.

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Tracy Jackson Kitt sketch
Tracy Jackson-Kitt
Head of Residential Real Estate
Europe, Middle East and Africa

Tracy is responsible for our Residential Real Estate offering across the region, originating and structuring client solutions. She is a Senior Credit Officer for the Private Bank.

Previously, Tracy was a Regional Senior Credit Officer, working with Citi’s Consumer Risk team in London, covering residential mortgages across Western Europe, Eastern Europe and Middle East.

She joined Citi in 1999 as a Credit Risk Manager in Consumer Finance UK, with portfolio management responsibility for residential mortgages and personal loans for the UK.

Tracy holds an MBA, is a Chartered Manager, Certified Mortgage Arranger and is an Associate of the Chartered Institute of Credit Management.

Contact us

To help us put you in touch with the right advisor or team, please answer the following questions.

1 Subject to applicable loan-to-value requirements. In some regions, maximum loan size or limits may apply.
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