Welcome to the Citadel Home Loan Center

Whether you're buying, refinancing, or looking to take advantage of the equity in your home, Citadel can help.

Get a Citadel Mortgage or Home Equity Loan

What does “home” mean to you? A place to call your own? Somewhere to make memories with family and friends? A comfortable dwelling to rest between adventures? An opportunity to build equity for future generations?

Whatever home represents to you, Citadel wants to help you get there. Whether you’re a first-time home buyer, looking to purchase your forever home, or anywhere in between, we offer both the funding and the knowledge you need to make getting “home” easier. Just mention this offer to your Mortgage Loan Advisor and the credit will be applied at the time of closing.

And if you already have a home with a loan you want to refinance or equity you want to use, we can do that too! Questions about your escrow account, PMI, home insurance, or mortgage documentation? We've got answers.

What would you like to do today?

Explore Mortgage Types +

Explore Mortgage Types +

What types of mortgages are available? Which one is right for you? From traditional to government-backed, a Citadel mortgage can get you in the door. Learn about qualifications, terms, and more.

Borrow Using My Home Equity +

Borrow Using My Home Equity +

Make home even sweeter by using the equity you've built to finance home renovations, debt consolidation, or other large purchases with a Home Equity Loan or Line of Credit.

Get Pre-approved or Apply for a Mortgage +

Get Pre-approved or Apply for a Mortgage +

You’ve explored your options and you’re ready to move forward. Take the next step and get pre-approved or apply for your mortgage.

View Mortgage Rates, Calculators, and Tools +

View Mortgage Rates, Calculators, and Tools +

Get the most current mortgage and refinance rates to compare loans. Plus, you can use our calculators to estimate your payments, savings, and more!

Refinance my home +

Refinance my home +

If you’re looking to lower your interest rate, reduce monthly payments, or even pay off your mortgage faster, refinancing could be the answer. Discover the ways refinancing could work for you.

Talk To An Expert +

Talk To An Expert +

Our Mortgage Loan Advisors will guide you through every step of the process, offering the benefit of their years of experience. From start to finish, you’ll have friendly, knowledgeable experts on your side.

Take the first step

Finding—and buying!—your first home can be an exciting, overwhelming, and fulfilling experience, but you don’t have to navigate it on your own. If you’re thinking about becoming a homeowner, but not exactly sure where to start, don’t worry—we can help.

From pre-approval to closing, we’ll walk you through everything you need to know about purchasing a home. We offer mortgage loans for first-time buyers with as little as 3% down. We can also connect you with local and federal grant programs designed to assist with your down payment and closing costs.

Plus we have educational resources and tools to get you up to speed on the home-buying process and feeling like an expert in no time!

If you're a first-time homebuyer, we can help.

Explore Now

Hear From Our Members

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Conventional Purchase

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 97% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans will require borrower to purchase title insurance and appraisal. Lender fees will apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Property cannot be a co-op or mobile home. Other restrictions may apply. *Rate as of .

Easy Refinance Program

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 90% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loan amounts over $400,000 will require borrower to purchase a full appraisal. Loan amounts over $500,000 will also require borrower to purchase title insurance. Fees from current mortgage lender may apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and market value assessment. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Properties currently listed for sale are not eligible for this promotion. Property cannot be a co-op or mobile home. Minimum $50,000 in non-Citadel mortgage balances. Not available for purchasing new property. *Rate as of

Conventional Mortgage

Fixed Rate Mortgage Terms

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 95% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans will require borrower to purchase title insurance and appraisal. Lender fees will apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Properties currently listed for sale are not eligible. Property cannot be a co-op or mobile home. Other restrictions apply on cash-out mortgage loans. Rate as of .

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) means that your payment may change in the future. Citadel ARM mortgages have a fixed rate for a period of time, then rates can adjust semi-annually. The fixed rate period varies based on the ARM loan you select and is shown right in the name of the ARM loan. Citadel offers two ARM loans: a SOFR 7/6 ARM and SOFR 10/6 ARM. The ARM numbers, “7/6”, show how long the initial fixed rate lasts and how often the rate can change afterward.

For Example:

• A 7/6 ARM has a fixed interest rate until the 84th month (7 years) and can change every 6 months after.
• A 10/6 ARM has a fixed interest rate until the 120th month (10 years) and can change every 6 months after.

What is a SOFR ARM?

SOFR is Secured Overnight Financing Rate, and is a referenced rate established to replace LIBOR (London Interbank Offered Rate). The Secured Overnight Financing Rate (SOFR) is a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities.

How is my rate calculated?

The initial fixed interest rate is based on interest rate, loan amount, and total term of the loan when your loan is closed. This is the discounted rate and lasts for 7 or 10 years depending on the ARM loan selected.

The Adjustable Interest Rate is based on an interest rate index plus a margin. All of our Citadel ARM mortgage interest rates are based on the 30-Day Average SOFR rate, rounded to the nearest 0.125% (currently .08%). More information about this index is available at SOFR Averages and Index Data - FEDERAL RESERVE BANK of NEW YORK (newyorkfed.org). Our current margin is 2.750%.

How can my Interest Rate change?

Your interest rate can adjust when the initial fixed interest rate period ends, and every 6 months thereafter. Your interest rate will never increase or decrease more than 5 percentage points during the first adjustment, and 1% with each adjustment after the first, over the life of the loan.

Condensed Refinance

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for first-lien position loans up to 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. There is no title insurance policy regardless of loan amount, however, loan amounts over $400,000 will require an appraisal. Lender fees will apply. Other restrictions may apply. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification, title search, and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Property cannot be a co-op or mobile home. *Rate as of .

Fixed Home Equity Loans

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for second lien position loans up to 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Loan amounts over $400,000 will require borrower to purchase a full appraisal. Loan amounts over $500,000 will also require borrower to purchase title insurance. Various APRs and terms are available up to 95% LTV with excellent credit. Lender fees will apply. Home equity third party fees ($415-$1,000). Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Property cannot be a co-op or mobile home. Other restrictions may apply. *Rate as of .

Home Equity Line of Credit

Offers are subject to credit approval. APR=Annual Percentage Rate. Information accurate as of and may be withdrawn or subject to change without notice. Call (800) 666-0191 for current information. Loan to value (LTV) is determined by dividing all outstanding loan balances by the appraised value of the property. Loan amounts over $400,000 will require borrower to purchase a full appraisal. Loan amounts over $500,000 will also require borrower to purchase title insurance. All accounts, loans, and services are subject to approval and membership eligibility requirements. Loans are available on primary homes in PA, NJ, MD and DE. Consult your tax advisor about deductibility of interest. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well.

Home Equity Line of Credit Terms and Fees: 6-month introductory APR = 3.99% for line amount of $100,000 or more; 5.49% $50,000-$99,999; 5.99% less than $49,999. Home equity line of credit APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. Current Prime Rate as of is 7.75%. Variable APR ranges from Prime (for lines $100,000 and above) to Prime + 2.99%, depending on credit, your final loan amount, loan term, loan to value and actual finance charges. Current home equity line of credit APR floor is 3.25%. Maximum APR is 18.00%. Maximum LTV = 90% with excellent credit. Closing costs include a recording fee which could vary depending on the state and/or county ($125 - $275). If line is closed within three years after opening, there is a $250 early termination fee.

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