Find the New Home (and Rates) You Love

Lock in a low mortgage rate on a fixed-rate 10-, 15-, 20-, or 30-year mortgage. Find out how much you may be able to borrow. Pre-Qualify online in minutes. It's fast and free.

Fixed-Rate Mortgage

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.

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.
  • Regional availability – Citadel mortgages are available in Pennsylvania, Delaware, Maryland, and New Jersey.
  • Title insurance – Citadel can help you obtain title insurance and other title-related services. Learn more.
  • Online & Mobile Banking – Make payments and manage your loan account. Learn more.

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

Frequently Asked Questions

How often do mortgage rates change?

Rates can change daily.

How can I lock in a rate with a fixed rate mortgage?

Once your application has been approved, information regarding locking in rates will be provided. You can apply for a mortgage online, call the Customer Service Center at (800) 666-0191 or visit a Citadel branch.

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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