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Make Your Move with Citadel
Citadel Mortgages
Citadel offers a variety of mortgages and loans that can help you purchase a home. Whether you're just starting out and don't have a sizeable down payment, or you're ready to find the home of your dreams, we have options that can help you make that happen. We'll walk you through the process every step of the way!
All our loans feature:
- Free pre-approval – Get your financing approved before you buy, so you know exactly how much you can spend.
- Free prepayment – We do not charge penalties if you want to pay off your mortgage early.
- Low closing costs
- Servicing by Citadel – Citadel will be your mortgage servicer. You’ll make payments to Citadel, and we’ll be your point of contact for any questions you may have.
- Regional availability – Citadel mortgages are available in Pennsylvania, Delaware, Maryland, and New Jersey.
- Title insurance – Citadel can help you obtain title insurance and other title-related services.
- Online & Mobile Banking – Make payments and manage your loan account.
Feeling a little overwhelmed and not sure where to start?
We're here to helpConventional Mortgages
Fixed Rate Mortgage
Loan Amounts from $50,000 - $766,550
3% down payment minimum plus closing costs
10-, 15-, 20-, & 30-year fixed terms
620 credit score minimum
45-50% debt-to-income ratio (DTI) maximum
Can cancel private mortgage insurance (PMI) with 20% equity
Can be used for second or vacation homes
Fees: origination and appraisal fees, mortgage insurance
Adjustable Rate Mortgage
Loan Amounts from $50,000 - $766,550
3% down payment minimum plus closing costs
7/6 and 10/6 adjustable terms
660 credit score minimum
50% debt-to-income ratio (DTI) maximum
Can cancel private mortgage insurance (PMI) with 20% equity
Can be used for second or vacation homes
Fees: origination and appraisal fees, mortgage insurance
Jumbo Mortgage
Loan amounts from $766,551 - $2,500,000
5% down payment minimum on $850,000 or more, plus closing costs
10-, 15-, 20- & 30-year fixed terms 7/6 and 10/6 adjustable terms
700 credit score minimum
43% debt-to-income ratio (DTI) maximum
Can cancel private mortgage insurance (PMI) with 20% equity
Can be used for second or vacation homes
Fees: origination and appraisal fees, mortgage insurance
Government Backed Mortgages
FHA Loan
Loan amounts from $50,000 - county-specific maximums
3.5% down payment minimum, plus closing costs
10-, 15-, 20-, & 30-year fixed terms
580 credit score minimum with 3.5% down (500 with 10% down)
50% debt-to-income ratio (DTI) maximum
Initial mortgage insurance premium (MIP), plus annual fee
Primary residence only
Upfront MIP of 1.75%
VA Loan
Loan amounts from $50,000 - $2,500,000
No down payment required, closing costs capped at 1%
10-, 15-, 20-, 25- & 30-year fixed terms
620 credit score (may be higher depending on lender)
41% debt-to-income ratio (DTI) (VA Recommended Maximum)
No private mortgage insurance (PMI)
Primary residence only
Upfront VA funding fee ranging from 0.5% to 3.6%
USDA Loan
Loan amounts from $50,000 - $766,550
No down payment required
30-year fixed terms
620 credit score
41% debt-to-income ratio (DTI) maximum
No private mortgage insurance (PMI)
Primary residence only, located in an eligible rural area
Annual Guarantee fee of 1% of loan up front, .35% annually
Home Mortgage Disclosure Act Notice (HMDA)
The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions is also available online.
For more information, visit the Consumer Financial Protection Bureau’s (CFPB) website: www.consumerfinance.gov/hmda.
Title and Settlement Services
Citadel has partnered with Entrust Services Group, LLC to offer title and loan closing services for both lenders and borrowers. Entrust Services Group offers industry expertise and convenient services to help you streamline the loan process from start to finish.
- Title search and insurance services
- Flexible settlement options
- Complete settlement services
Please fill out the request form below to learn more about Entrust Services Group or email us at title@enstrustsg.com for a free comparative rate quote and an estimate of closing costs.
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 05/06/2025
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 05/06/2025.
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.