Refinance with Citadel

We can lower your mortgage rates, shorten the terms, and you’ll pay less in interest with low closing costs. Pre-qualify online in minutes. It's fast and free.

Refinance Your Mortgage

People refinance a home for many reasons. Citadel has a refinance option to meet your needs.

Additional Features

  • Free prepayment – We do not charge penalties if you want to pay off your mortgage early.
  • Easy to Save – We can structure the refinance to save you the most money and offer low payment options. 
  • 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.
  • Online & Mobile Banking – Make payments and manage your loan account. Learn more.

Featured Mortgage Rates

View All Rates

Mortgage Refinance Calculator

Should I refinance my mortgage? Over the last couple of years with interest rates at a 40-year low, many people refinanced their mortgages. Rates are still very low and refinancing may make sense for you. Use our refinance calculator to analyze your situation today. Please call a Citadel Mortgage Consultant for a private consultation and learn about all of your refinance options at 1-800-666-0191 ext. 6120

Start Calculator


Current Loan balance($)

$0 $1,000,000

Current interest rate (0-40%)

0% 40%

Number of months remaining

1 480

Proposed Loan Information

  • Rate: 3.974%
  • APR: 3.974%
  • Term: 10 Years
  • Loan Origination Fees:0%
  • Other Fees/Discount Points:0%

Still have Questions? We Can Help.

Talk to our Home Loan Experts

Bruce Goodman
Mortgage Loan Originator
Serving Chester and Lancaster Counties
Cheryl Verros
Mortgage Loan Originator
Serving Montgomery and Bucks Counties
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:

Attn: Mortgage Error Resolution
520 Eagleview Blvd
Exton, Pa 19341

You may also scan the form and email it to:

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

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. *Rate as of .

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