Stress Free Mortgage Experience
“Citadel made my mortgage experience stress free. They answer all my calls immediately. I rate this credit union at a 10 our of 10. ”
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. Citadel’s suite of mortgage options are designed to meet all of your needs. With low rates, closing costs, and flexible terms, we want to make your home ownership goals a reality.
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
Homeowner Education
Every home purchase is unique. We offer resources to help guide your journey.
Read More
Mortgage Rates
AS LOW AS
2.625%REG
2.675%APR
10 Year Purchase Rate
10 Years
fixed rate
0 points
AS LOW AS
2.750%REG
2.784%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
3.250%REG
3.268%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
Home 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
Hear 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! ”
Contact a Citadel Mortgage Loan Originator today!
Talk to UsFind an ATM or Branch Near You
Whether you're buying, refinancing, or looking to take advantage of the equity in your home, Citadel can help.
Apply NowTitle 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 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 3.25%. 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 18.00%. Maximum LTV = 90% with
excellent credit. Closing costs include a recording fee which could vary depending on the state and/or county ($125 - $275). 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.
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.
