"This product will significantly move the needle for us on the East Coast," says Sanjiv Das, president and CEO of CitiMortgage. "It makes the relationship stickier."

Citi Pitches 'Offset Mortgage' as Way to Pay Off Loans Faster

The bank hopes to capture a larger share of the home loan market by helping borrowers use the outstanding balance of existing accounts to reduce the interest paid over the life of their loan.

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