Mortgages

Take the stress out of refinancing or home buying with a Citadel mortgage. Compare our low mortgage rates and flexible terms to determine which is best for you. 

As a customer, you can also take advantage of Citadel's HomeReady Mortgage to begin your home buying journey. Citadel’s HomeReady® Mortgage by Fannie Mae allows you to get the money you need with as little as 3% down. Learn More!

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  • First-Time Homebuyer

    At a Glance:

    Our first-time homebuyer option is smart for new buyers, with a low down payment requirement and assistance throughout the process. Learn more and estimate your payment.

    Features:

    Low Down Payment; Expanded Eligibility; No Application Fee

    Apply Online
  • Refinance Your Mortgage

    At a Glance:

    Our Easy Refi Mortgage loan helps you save money by lowering your mortgage payment or shortening your loan term. Refinance today and lock in a low rate with fixed monthly payments.

    Features:

    Fixed Rate Refinance; Easy Refinance; Adjustable Rate Refinance

    Apply Online
  • Fixed Rates for Mortgages

    At a Glance:

    Enjoy a low, fixed mortgage rate and fixed monthly payments. Contact a Citadel consultant today, and we’ll walk you through your options and the lending process.

    Features:

    Low, Fixed Rates; Flexible Terms; Save on Closing Costs

    Apply Online
  • Adjustable Rate Mortgage (ARM)

    At a Glance:

    Our Adjustable Rate Mortgage has a lower principal and interest payment the first 5, 7 or 10 years, then adjusts each subsequent year. Use our mortgage calculator to estimate your payment.

    Features:

    Lower Initial Payment; Flexibility; Save on Closing Costs

    Apply Online

Start your home buying journey with Citadel’s HomeReady® Mortgage today!

Learn More

*Mortgage Disclosures

View *Mortgage Disclosures

Fixed 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.

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.

Refinances

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 $250,000 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. Other restrictions apply on cash-out mortgage loans. Loans above $250,000 will require borrower to purchase title insurance. Minimum $50,000 in non-Citadel mortgage balances. Not available for purchasing new property.


Citadel is an equal opportunity lender.

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