Start with a Lower Mortgage Payment

Citadel’s Adjustable Rate Mortgage (ARM) lets you start with a lower payment for the first seven years. Then your payment adjusts each subsequent year. Pre-Qualify online in minutes. It's fast and free.

Adjustable Rate Mortgage (ARM)

Our Adjustable Rate Mortgage has a lower principal and interest payment the first 7 years, then adjusts each subsequent year.

Additional Features

  • Free pre-approval – Get your financing approved before you buy, so you know exactly how much you can spend. Get pre-qualified.
  • Free prepayment – 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.
  • First-time homebuyer support – From start to finish, we’ll walk you through everything you need to know. We offer mortgage loans for first-time buyers with as little as 3% down. We can also connect you with local and federal grant programs designed to assist with your down payment and closing costs.
  • Title insurance – Citadel can help you obtain title insurance and other title-related services. Learn more
  • Low closing costs 
  • Online & Mobile Banking – Make payments and manage your loan account. Learn more.

Featured Mortgage Rates

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Still have Questions? We Can Help.

Talk to our Home Loan Experts

citadel-financial-credit-union-goodman
Bruce Goodman
Mortgage Loan Originator
Serving Chester and Lancaster Counties
citadel-financial-credit-union-cheryl-verros
Cheryl Verros
Mortgage Loan Originator
Serving Montgomery and Bucks Counties
citadel-financial-credit-union-matt-keuhn
Matt Kuehn
Mortgage Loan Originator
Serving Delaware and Chester Counties

Frequently Asked Questions

Is a fixed rate mortgage or an ARM the best product for me?

Fixed Rate mortgages are the best product if you plan on living in the home for the next fifteen to thirty years and want the same principal and interest payment.

ARMS are the best product to keep payments lower for the fixed term.  You can prepay at any time without penalty and shorten the term of your mortgage.  If you won't be living in this home more than 10 years you may want to consider an ARM.

How much will my interest rate go up with an ARM?

Interest rates can go up or down after the initial set term.  Your rate can never be higher than 2% over your last rate or last adjustment and can never be higher than 5% over your initial rate.

What are mortgage points?

Points can be purchased to lower the interest rate over the life of a mortgage. Points are based on the percentage of the amount borrowed. With a $100,000 mortgage, for example, 1 point is equal to 1% of $100,000, or $1,000. 

Can closing costs be financed?

Yes, we offer products that closing costs can be included in the loan.

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

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and 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.


Mortgage Disclosure Notice

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