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Making Home Ownership a Reality
Citadel Home Help
Citadel Home Help is an initiative focused on increasing home ownership among qualified applicants within eligible communities1 in Philadelphia County.
Mortgages & Refinancing
Home Help offers up to $18,0002 to assist in obtaining a mortgage or refinancing a home. No repayment required!
If you already own a home in an eligible community, refinancing your mortgage through the Home Help program may help you lower your interest rate, reduce your monthly payments, or even pay off your loan faster.
Citadel Home Help funds can be applied toward:
- Down payment on a primary residence
- Eligible closing costs, such as lender fees, points, title insurance, transfer tax, private mortgage insurance, and recording fees
Fixed Home Equity Loans
Interested in making improvements to a primary residence? The Citadel Home Help program also provides qualified applicants with a below-market-rate on home equity loans, offering a fixed rate3 of 5.25%.
How to Qualify:
- Available for owner-occupied, single family, condominium, or planned unit development (PUD) homes in eligible Philadelphia County neighborhoods.
- You do not have to be a first-time home buyer to qualify.
Fill out our contact form below to get in touch with one of our loan officers and begin your application.
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See how we make an impact in the communities we serve.
LEARN MORE1 Amounts available only for eligible majority-minority census tracts located within Philadelphia County. Please contact Citadel Credit Union for information regarding qualified census tracts.
2 Borrowers may receive up to $18,000 per qualified transaction on the Closing Disclosure, secured by a first mortgage or deed of trust (new loan), subject to qualification, approval, and closing with Citadel Federal Credit Union. The total amount of any grant may change based on loan terms, first mortgage program requirements, Home Help Program restrictions, and agency/investor limitations. Only one Home Help grant is permitted per transaction. Not all loan types are available to all borrowers. Borrowers will be subject to qualification and must satisfy all underwriting requirements and conditions. Not all borrowers will qualify. Please speak to your Citadel Mortgage Advisor or Loan Officer and carefully consider each of your home financing options so you can determine the home loan program that is right for you.
3 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 may be 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. Property insurance is required. If the collateral is determined to be in a special flood hazard area, flood insurance is required. Properties currently listed for sale are not eligible. Property cannot be a co-op or mobile home. Other restrictions may apply. Rate current as of .