Refinance Options

Refinance your current mortgage to enjoy lower payments, consolidate your debt, or pay off your loan sooner.

Refinance Your Home

If you’re looking to lower your interest rate, reduce your monthly payments, or even pay off your loan faster, refinancing your mortgage could be a smart solution. Discover the ways that refinancing could work for you, and we’ll help you find the perfect mortgage option—and assist you every step of the way.

Why refinance with Citadel?

At Citadel Credit Union, we understand that you want to be more than a loan number.  We'll work with you to understand your needs and structure your refinance in a way that benefits you most. To get started, contact one of our home loan experts today.

Options to meet your needs

Whether your goal is to save on interest or shorten your term, we offer Mortgage Refinance options built to meet your needs.

Not sure where to start? We can help. Contact our home loan experts to explore your options.

Reasons to Refinance

Most people refinance their mortgage for several reasons:

  • Lower interest rate and monthly payment
  • Consolidate high credit card balances or other personal loans
  • Build equity faster by shortening the term of your loan
  • Pay off your mortgage sooner

Benefits of Refinancing

Refinancing your mortgage can have several benefits:

Mortgage Rates

*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.

Use our Mortgage Calculators to estimate payments and more.

Mortgage Calculators

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Still have questions? We can help.

Hear From Our Customers

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 often do mortgage rates change?

Rates can change daily.

What are Citadel's current refinance mortgage rates?
For Citadel's current refinance mortgage rates you will want to go to BORROW > Home Loan Center > Refinance Your Home.
How do I know when to refinance?
You can apply to refinance your mortgage at any time if you are seeking a better rate, term or payment on your mortgage loan.
Does Citadel offer a refinance loan calculator?
We offer a Mortgage Refinance Calculator on our website in the BORROW > Home Loan Center > Refinance Your Home tabs. Click the 'START CALCULATOR' tab to begin.
What is mortgage refinancing?
Mortgage refinancing is the process of being approved for a new mortgage in hopes to lower the interest rate, term or monthly payment.
How can I dispute an error with my Mortgage Statement?

To dispute an error with your Mortgage account or statement, please complete the Mortgage Error Resolution form. Once you complete the form please mail back to us at:

Citadel
Attn: Mortgage Error Resolution
520 Eagleview Blvd
Exton, Pa 19341

You may also scan the form and email it to: MtgErrorandInfo@CitadelBanking.com.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Citadel is an Equal Housing 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. Loans above $400,000 will require an appraisal. 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. 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 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 .

Traditional 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. 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 .

Condensed 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 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. There is no title insurance policy regardless of loan amount, however, loan amounts over $400,000 will require an appraisal. Lender fees will apply. Other restrictions may apply. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification, title search, 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. *Rate as of .