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[] We’ll work with you to understand the amount you want and how much you can pay per month, so you get the home improvement loan that fits your needs. Get a home equity loan rate you can afford with flexible payment terms that meet your unique situation. •No application costs, no closing costs or annual fees. •Fixed interest rate with fixed monthly payment. •You may qualify for a no monthly maintenance fee Circle Gold Checking with Interest - and all the benefits of Citizens Circle Gold Banking®. •Choose your monthly payment then we will work with you to determine the loan amount and term. •Pay for home improvements or educational expenses, combine debt. •Because Home Equity Loans are secured by the equity in your home, the rate is lower than on most loans. •The interest you pay may be tax-deductible. •Your interest rate is fixed for the life of the loan.
 * Home Equity Loans: **
 * Benefits**
 * Home Equity Loan Options Choose Your Payment**

[|http://www.citizensbank.com/mortgages/default.aspx#content_section] If you want the stability of a fixed rate mortgage, we offer a variety of programs with short to long terms, low down-payment requirements and other features that make home buying more affordable. [|http://www.citizensbank.com/mortgages/default.aspx#content_section] Save money and qualify for more home with an adjustable rate mortgage. Our 3/1, 5/1 and 7/1 adjustable rates offer the stability of a fixed rate for the initial term plus the lower rate of an ARM.
 * Mortgages: **
 * Fixed Rate**
 * Benefits**
 * || * Low fixed APR for the life of the loan
 * Terms available from 36 to 360 months
 * Low down payment requirements
 * Adjustable Rate**
 * Benefits**||  || * Save with lower interest rates
 * Qualify for a larger loan amount than with a fixed-rate mortgage
 * Protect your interest rate for an extended period of time
 * Keep your monthly payment low with a 30-year term and amortization
 * No prepayment penalty ||