Delivering Service Beyond Expectations

Talk to John about serving your mortgage guidance needs.

John Alberici, Mortgage Loan Originator

mortgage loan originator

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.”

About John

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!

Coverage

John's goal is to deliver service beyond expectations, from application to closing! He lends in the 5 counties surrounding Philadelphia (Bucks, Chester, Delaware, Lancaster, and Montgomery) with a special emphasis in Lancaster County.

Schedule your complimentary consultation today!

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.com
Phone: (717) 413-0440
Fax: (610) 380-6045

To learn more about Citadel Mortgage Products, visit our Home Loan Center or visit a branch near you!

John has over two decades of experience as a mortgage advisor and advocate for his clients as they finance a new home.

Citadel Class Service is more than a phrase.

  • We make it easy: Citadel is your one-stop shop for real estate with a variety of mortgage options and homeowner’s insurance.
  • 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 always 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.

Buying your first home? We'll guide you through the process.

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 and can connect you with a HomeAdvantage agent. 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.

At Citadel, we believe that applying for a mortgage, buying a home, or refinancing should be easy and convenient.

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Featured Mortgage Rates

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*Agreements and Disclosures

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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.


  • Home Equity Line of Credit Terms and Fees: 6 Month introductory APR =2.49% for line amount of $100,000 or more, 2.99% $50,000-$99,999, 3.49% 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 5.25%. Variable APR ranges from Prime - 0.51% (for lines $100,000 and above) to Prime + 3.99%, 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 3.99%. Maximum APR is 18%. Maximum LTV = 90% with excellent credit. No upfront closing costs. If line is closed within three years after opening, there is a $250 early termination fee.

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.

  • INTEREST RATES, ANNUAL PERCENTAGE RATES (APR) AND POINTS SHOWN ARE SUBJECT TO CHANGE BASED ON CREDIT QUALIFICATIONS AND FINAL APPROVAL. OTHER CONDITIONS AND RESTRICTIONS MAY APPLY.
  • The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required.
  • Your APR will vary based on your final loan amount and finance charges.