Welcome to Your First Home

We will help you through the entire process of buying your first home and make financing easy. Find out how much you may be able to borrow, and get pre-approved online in minutes. It's fast and free.

First-Time Home Buyer

If you’re buying your first home, you want a mortgage option that’s simple and low stress. Buying your first home is a rewarding and exciting experience, but it's also a big commitment. At Citadel, we will guide you through the whole process.

To learn more about buying your first home, contact one of our Mortgage Loan Originators today!

Featured Mortgage Rates

Additional Features

  • 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.

If you're a first-time homebuyer, contact Citadel today to learn about our additional features, the lending process, and much more!

Best For...
First-time homebuyers who want a low down payment
Customers seeking mortgage advice for buying their first home

Low down payment and flexible financing available!

Learn More

Get in Contact with a Mortgage Loan Originator

citadel-financial-credit-union-cheryl-verros
Cheryl Verros
Mortgage Loan Originator - NMLS#422145
Serving Bucks, Chester, Delaware, Lancaster, and Montgomery Counties
citadel-financial-credit-union-matt-keuhn
Matt Kuehn
Mortgage Loan Originator - NMLS#1312273
Serving Bucks, Chester, Delaware, Lancaster, and Montgomery Counties
mortage
Kellianne Domizio
Mortgage Loan Originator - NMLS#489355
Serving Bucks, Chester, Delaware, Lancaster, and Montgomery Counties
mortgage loan originator
John A. Alberici
Mortgage Loan Originator- NMLS#28194
Serving Bucks, Chester, Delaware, Lancaster, and Montgomery Counties

Hear From Our Customers

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.

Frequently Asked Questions

How do I get preapproved?

Simply complete an online application! Complete your information to the best of your knowledge and an experienced mortgage loan originator will contact you to discuss your options.

What are some tips for buying your first home?

Below are a few tips for buying your first home:

  • Determine how much you can afford
  • Check your credit
  • Stick to your budget
  • Hire the right realtor
  • Compare mortgage rates
     
How much do I need for a down payment?

At least 3% down plus money for your closing costs.  We can help you calculate the amount you need.

What are the current trends in mortgage rates?
Current trends in mortgage rates vary year over year. Mortgage rates have jumped in 2018 & are expected to increase as home prices continue to rise.
What documents do I need to apply for a mortgage?

Up front you just need to know your income, basic property information and down payment or savings information.  After you apply we will let you know the exact documents we need.

What are Citadel's daily mortgage rates?
To view Citadel's daily mortgage rates, you will want to go to our Great Rates, Low Fees page and select "Mortgages & Home Equity" from the drop-down.

Still have questions? Visit our help center.

*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 5.50%. 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.

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.