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 Rates for Mortgages

Enjoy low, fixed interest rates and fixed monthly payments on our fixed rate mortgage when borrowing with Citadel. Contact a Mortgage Loan Expert today, and we’ll walk you through the lending process and help you decide which fixed rate mortgage is best for you based on your needs.

Featured Mortgage Rates

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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.

To learn more about Citadel's fixed rate mortgage product and our fixed interest rates contact us today!

Apply for a fixed rate mortgage today!

Get Started

Still have Questions? We Can Help.

Talk to our Home Loan Experts

citadel-financial-credit-union-cheryl-verros
Cheryl Verros
Mortgage Loan Originator - NMLS#422145
Serving Montgomery and Bucks Counties
citadel-financial-credit-union-matt-keuhn
Matt Kuehn
Mortgage Loan Originator - NMLS#1312273
Serving Delaware and Chester Counties
mortage
Kellianne Domizio
Mortgage Loan Originator - NMLS#489355
Serving Chester and Lancaster 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

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

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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