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

Take the stress out of refinancing or home buying with a Citadel Mortgage. Compare our low mortgage rates and flexible terms to determine which is best for you. Or, use our Mortgage Calculators to estimate payments and more. Talk to a Citadel Mortgage Loan Originator or schedule an appointment today and begin your journey!

What would you like to do today?

Meet Our Mortgage Advisors +

Meet Our Mortgage Advisors +

Buying a home is one of the biggest financial decisions you will ever make, and Citadel is here to help you understand every step of the process. Our home loan experts make applying for a mortgage, purchasing a home, and refinancing an existing loan easy and convenient.

Purchase a Home +

Purchase a Home +

Looking to move into a new home? Citadel can help make sure you’re equipped with all the knowledge you may need from showing to closing. Get the information needed to help make the deal happen and make your next home purchase as easy as possible.

First-Time Home Buyers +

First-Time Home Buyers +

Ready to buy your first house? Citadel’s first-time homebuyer option provides additional assistance to anyone navigating the real estate market for the first time. With a free pre-approval, low down payments, and mortgage estimations, we’ll help you get into your first home fast.

Traditional Fixed Mortgages +

Traditional Fixed Mortgages +

Finding the right mortgage provider is a key step in the home buying process, and there are a lot of options to choose from. Citadel offers quick, easy, and secure traditional fixed-rate mortgages as well as multiple term lengths. Explore our options to find the mortgage that best fits your financial lifestyle.

Adjustable Rate Mortgages (ARMs) +

Adjustable Rate Mortgages (ARMs) +

An adjustable rate mortgage, or ARM, provides a lower interest rate and principal for the first 7 or 10 years of the loan, then adjusts each subsequent year based on market rates. A Citadel ARM is a great option for anyone planning on owning their home for less than 10 years.

Federal Housing Administration (FHA) Loans +

Federal Housing Administration (FHA) Loans +

Ready to buy a home but don’t have a lot to put down? A Federal Housing Administration (FHA) loan could be the answer. An FHA loan is insured the government, which enables FHA-approved lenders, like Citadel, to offer these loans to buyers even if they have debt, a lower credit score, or a smaller down payment.

Veterans Administration (VA) Loans +

Veterans Administration (VA) Loans +

Have you or your spouse served in the military? Citadel thanks you for your service and is proud to offer Veterans Administration (VA) loans. VA Loans offer eligible veterans, current service members and their spouses mortgage loans with no downpayment requirements and limited fees as part of their military benefits.

Refinance Your Home +

Refinance Your Home +

Looking to lower your monthly mortgage payment? Want to consolidate debt or get some funds for a big purchase? Citadel’s mortgage refinancing options may be just what you need. You can lower your interest rate, reduce your monthly payments, or even pay off your loan faster by refinancing your mortgage and we’ll assist you every step of the way.

Home Equity Options +

Home Equity Options +

Looking to make upgrades around your house, finance a large purchase, or consolidate debt? Accessing your home’s equity can help. A home equity loan or Home Equity Line of Credit (HELOC) can be a great way to gain access to the funds you need at lower interest rates than credit cards.

More Resources & FAQs +

More Resources & FAQs +

Have a mortgage, home equity loan or HELOC with Citadel? You can access account information, explore payment options, or find answers about your balances or homeowners’ insurance at any time through Online & Mobile Banking or by contacting a home loan expert.

Want to connect with an expert now?

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Start your home buying journey with Citadel today!

Schedule Appointment

Contact a Consultant

Not sure yet? No problem. Our Loan Specialists will help answer your questions and walk you through every step of the loan process.

View information on John Alberici, Mortgage Originator Near Me
John A. Alberici
Mortgage Loan Advisor- NMLS# 28194
Refinance Your Home
Roxana Hernandez
Mortgage Loan Advisor - NMLS# 1146300
Mike Omara
Mike O'Mara
Mortgage Loan Advisor - NMLS# 1928430

Access your application, upload documentation, or retrieve mortgage documents!

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Hear From Our Members

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. Loans above $500,000 will require borrower to purchase title insurance. Loans above $400,000 will require an appraisal. 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

Traditional 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. Loans above $500,000 will 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. Loans above $500,000 will 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 = 4.99% 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 8.50%. 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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