I guess your loan principle is with GSE (Government Sponsored Enterprise, i. e. Fannie Mae, Freddie Mac). CitiMorgage might be just your loan server (i.e . collect monthly mortgage from you, website, toll free phone number, etc). My own home mortgage is with JMAC. At my owned signed document, it clearly shows 6 months. As mortgage broker myself, the official date is about 95 days after your loan 已经卖. Since average consumer has little resource to know when your loan was transferred/assigned. As a rule of thumb, 4 month or 4 monthly payment between two funding day is a safe bet. Since 买房子两个月, you could start to prepare info and submit the application package to mortgage broker soon.