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. Pre-Qualify online in minutes. It's fast and free.

First-Time Homebuyer

If you’re buying your first home, you want a mortgage option that’s simple and low stress. We will get you in the mortgage product that is right for you. Buying your first home is a rewarding and exciting experience. It is a big commitment that you should only make when you are financially, and emotionally ready. We can help guide you through whole process. 

Additional Features

  • 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.
  • Grant Money may be available. Learn more.
  • Online & Mobile Banking – Make payments and manage your loan account. Learn more.
  • Low Mortgage Requirement – Low minimum mortgage of $50,000.
Best For...
First-time homebuyers who want a low down payment

Featured Mortgage Rates

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Earn Cash with a HomeAdvantage® Agent

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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

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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.

Is gift money an acceptable source of down payment?

Yes, a relative can gift the down payment and closing costs for most programs.

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 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.

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