Citadel is aware of recent news regarding the collapse of two major U.S. banks, and we assure our members that we remain in a safe and sound financial position. Learn more about how your funds are protected.
Branch Hours
Log In
Delivering Service Beyond Expectations
John Alberici
"Buying a home is one of life’s most important decisions, and it can also be an anxious and uncertain process. I have been a loan officer and trusted mortgage advisor for over 20 years, successfully helping more than 3,400 clients finance a new home.
"My goal is to share the homebuying journey with you by delivering service beyond expectations, from application to closing. I take the role of your mortgage advisor seriously and will handle your financing with care and foresight. As your advocate, my guidance will help you be prepared and confident to make the best and most informed decisions for your individual circumstances.
"When you work with me and the Citadel team, you get the assurance of a trusted and respected mortgage partner by your side, the knowledge and expertise to help you pick the best loan options for your needs, in-house underwriting and servicing, and day-and-night availability. I look forward to serving you.”
John specializes in working with first-time home buyers, best-in-class traditional mortgage options, VA, FHA and government financing, and corporate relocations. He is committed to ensuring a smooth home-buying experience with personalized service, and local market knowledge.
During John’s leisure time he is an outdoor enthusiast with interests including biking, running, working on home projects, exploring local farmers markets, and enjoying family time. John is a regular participant in annual charitable running and bicycling events, and a veteran of several sprint triathlons. Through the highs and lows, he remains an avid and loyal Philadelphia sports fan.
Please consider John's services and a Citadel Mortgage for your home financing needs. John looks forward to serving you!
John's regional coverage includes the Greater Philadelphia area, including Bucks, Chester, Delaware, Lancaster, Montgomery and Philadelphia counties.
John has over two decades of experience as a mortgage advisor and advocate for his clients as they finance a new home. John's goal is to deliver service beyond expectations, from application to closing!
Contact John
Email: JohnAlberici@citadelbanking.comTo learn more about Citadel Mortgage Products, visit our Home Loan Center or visit a branch near you!
Welcome to Your First Home! Buying your first home is a rewarding and exciting experience, but it's also a big commitment. You want a mortgage option that’s simple and low stress. We will help you through the entire process of buying your first home and make financing easy. In addition, we offer free Home Buying seminars to get you information on the homebuying process. Find out how much you may be able to borrow, and get pre-approved online in minutes. It's fast and free!
To learn more about the mortgage process and homebuying, visit our Learn & Plan blog for more information.
“I wanted to thank the Citadel Mortgage team for all their hard work over the past few months. My wife and I settled late yesterday afternoon on the Equity Line of Credit. As always, the process went smoothly, and throughout the entire mortgage process Citadel has been outstanding. As a result, we have been loyal Citadel customers for years. We will continue to be loyal customers with Citadel in future as a result of the credit unions outstanding work.”
“Citadel is amazing! Thank you so much to Citadel’s Mortgage Team! I recently tried to get a HELOC with another bank and they didn’t communicate, denied me without any notice for equity, and gave me a low estimate. I told my husband that we should try Citadel. Going with Citadel was the best decision ever. The communication was on point and the process was a breath of fresh air. Everyone was so pleasant, polite, and professional. I’ve been telling everyone about my great experience!”
“I switched to Citadel when I was in search of a loan to switch my home mortgage company. Citadel was the only one to accommodate me. They saved me money, which was great! After my wonderful experience with the mortgage process, I switched all my accounts over to Citadel. They have been super to me in all aspects of transactions and I am very pleased when I enter the bank, I feel like it's family.”
“I just wanted to say ‘thank you’ to Citadel’s Mortgage Team for all of their work at to get our mortgage taken care of. Everything with our signing went through without a hitch. We are almost all moved in! ”
Citadel is an Equal Opportunity Lender.
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. 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. 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 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 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. 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 .
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. Property cannot be a co-op or mobile home. Other restrictions may apply. *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. 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. Adequate homeowner’s insurance coverage is required.
Adjustable Rate Mortgage Terms
All interest rates, annual percentage rates (APRs), points and any other applicable fees shown are accurate as of and are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.
