Easy Mortgage Process
“I appreciate the patience and all the follow ups throughout the mortgage process. It’s been a pleasure and you’ve made the process so much easier for me.”
When it’s time to make your move, Citadel is here to help open the door.
Purchase a Home
Whether you're buying your first or next home, Citadel is here to help. Perhaps your life has changed since your first home purchase, or maybe you're looking for more or less space. Citadel offers mortgage solutions and we'll guide you through the process. With low rates, closing costs, and flexible terms, we want to make your home ownership goals a reality.
Schedule an appointment to speak with a representative today!
Fast, Easy Pre-Approval
You can start the pre-appoval process online, or call us at (800) 666-0191.
Apply Now
Earn Realtor Rebates
Earn an average of $1,650** in Cash Rewards when you partner with an agent in our HomeAdvantage network. Enjoy simple search tools to find the perfect home.
Get Started
Title and Settlement Services
Enjoy lending expertise and convenient service throughout the loan process with Entrust Services Group by Citadel.
Learn More
Mortgage Rates
*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.
AS LOW AS
2.500%REG
2.550%APR
10 Year Purchase Rate
10 Years
fixed rate
0 points
AS LOW AS
2.625%REG
2.659%APR
15 Year Purchase Rate
15 Years
fixed rate
0 points
AS LOW AS
3.000%REG
3.026%APR
20 Year Purchase Rate
20 Years
fixed rate
0 points
AS LOW AS
3.125%REG
3.142%APR
30 Year Purchase Rate
30 Years
fixed rate
0 Points
AS LOW AS
2.500%REG
2.517%APR
5/1 Year ARM
5 Year ARM
variable rate
0 points
AS LOW AS
2.500%REG
2.517%APR
7/1 Year ARM
7 Year ARM
variable rate
0 points
AS LOW AS
3.125%REG
3.142%APR
10/1 Year ARM
10 Year ARM
variable rate
0 points
Additional Features
- Free pre-approval – Get your financing approved before you buy, so you know exactly how much you can spend. Get pre-approved.
- No pre-payment penalties – There are no penalties 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.
Ready to speak with a representative about purchasing a home?
Schedule AppointmentHome Buying Guide: Is Purchasing a Home Right for You?
Making the decision to buy a home can be a difficult one. At Citadel, we're here to guide you through the home buying process. Check out our home buying guide to determine whether or not purchasing a home is the right choice for you.
Contact a Consultant
Not sure yet? No problem. Our Loan Specialists will help answer your questions and walk you through every step of the loan process.
Matt Kuehn
Mortgage Loan Originator - NMLS#1312273
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
Lisa J. Nelson
Mortgage Loan Originator - NMLS #616730
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
John A. Alberici
Mortgage Loan Originator- NMLS#28194
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
Whether you're buying, refinancing, or looking to take advantage of the equity in your home, Citadel can help.
Apply NowHear From Our Customers
Citadel Has Been Outstanding
“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.”
Pleasant, Polite and Professional
“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!”
Switched to Citadel
“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.”
Everything Went Without A Hitch
“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! ”
Introducing Citadel Video Connect
We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.
Find an ATM or Branch Near You
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.
*Agreements and Disclosures
View *Agreements and Disclosures
Citadel is an Equal Housing Lender.
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. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well. Property cannot be a co-op or mobile home. Other restrictions may apply. *Rate as of .
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 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 three ARM loans: a 5/1 ARM, 7/1 ARM, and 10/1 ARM. The ARM numbers, “5/1”, show how long the initial fixed rate lasts and how often the rate can change afterward.
For Example:
• A 5/1 ARM has a fixed interest rate until the 60th month (5 years) and can change every 12 months (1 year) after.
• A 7/1 ARM has a fixed interest rate until the 84th month (7 years) and can change every 12 months (1 year) after.
• A 10/1 ARM has a fixed interest rate until the 120th month (10 years) and can change every 12 months (1 year) after.
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 5, 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 1 Year UST CM (weekly), rounded to the nearest 0.125% (currently 0.08). More information about this index is available at www.federalreserve.gov/releases/h15. Our current margin is 2.5%.
How can my Interest Rate change?
Your interest rate can adjust when the initial fixed interest rate period ends, and every 12 months thereafter. Your interest rate will never increase or decrease more than 2 percentage points at any rate adjustment or 5% over the life of the loan. Your interest rate will never increase more than 5 percentage points over the initial discounted rate or be lower than 2.500%.
HomeAdvantage
**Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. The $1,650 is based on a purchase price of $275,000 and realtors commissions of 3%. Every transaction is dependent on sales price and corresponding realtors commissions. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.
