Welcome to Your First Home

We will help you through the entire process of buying your first home and make financing easy. Find out how much you may be able to borrow, and get pre-approved online in minutes. It's fast and free.

First-Time Home Buyer

If you’re buying your first home, you want a mortgage option that’s simple and low stress. Buying your first home is a rewarding and exciting experience, but it's also a big commitment. At Citadel, we will guide you through the whole process.

To learn more about buying your first home, contact one of our Mortgage Loan Originators today!

Mortgage Rates

*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.

Additional Features

  • Grant Money – Citadel is a participating institution of the First Front Door Program. First Front Door (FFD) can help qualified first-time homebuyers with closing costs and down payment.
  • No pre-payment penalties – We do not charge penalties if you want to pay off your mortgage early.
  • 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.
  • Online & Mobile Banking – Make payments and manage your loan account. Learn More.

If you're a first-time homebuyer, contact Citadel today to learn about our additional features, the lending process, and much more!

Best For...
First-time homebuyers who want a low down payment
Customers seeking mortgage advice for buying their first home

Ready to speak with a representative about purchasing your first home?

Schedule Appointment

Contact an Advisor

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

John Alberici
John A. Alberici
Mortgage Loan Advisor- NMLS# 28194
Roxy Hernandez
Roxana Hernandez
Mortgage Loan Advisor - NMLS# 1146300
Mike Omara
Mike O'Mara
Mortgage Loan Advisor - NMLS# 1928430

Hear From Our Members

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Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

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Title and Settlement Services

Take the stress out of the mortgage loan process with exclusive title and settlement services from Citadel. Citadel has partnered with Entrust Services Group, LLC to offer title and loan closing services for both lenders and borrowers. Enjoy complete support through the entire title process, from application to closing.

Complete Support and Servicing

Entrust Services Group offers industry expertise and convenient services to help you streamline the loan process from start to finish.

Member Benefits:

  • 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.

Frequently Asked Questions

How do I get pre-approved?

Simply complete an online application! Complete your information to the best of your knowledge and an experienced mortgage loan originator will contact you to discuss your options.

How much do I need for a down payment?

At least 3% down plus money for your closing costs.  We can help you calculate the amount you need.

What documents do I need to apply for a mortgage?

Up front you just need to know your income, basic property information and down payment or savings information.  After you apply we will let you know the exact documents we need.

Still have questions? Visit our help center.

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.