Refinance with Citadel
Refinance Your Mortgage
People refinance a home for many reasons. Citadel has a refinance option to meet your needs.
Fixed Rate Refinance
Enjoy low payments with fixed rates up to 30 years. Refinance your current balance to lower your rate and save money.
Choose from 10-, 15-, and 25-year terms. Enjoy low closing costs.
Adjustable Rate Refinance
Enjoy a low, fixed rate for up to 10 years and a low payment amortized over 30 years.
- 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
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
Talk to our Home Loan Experts
Frequently Asked Questions
Rates can change daily.
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.
Yes, we offer products that closing costs can be included in the loan.
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: MtgErrorandInfo@CitadelBanking.com.
Still have questions? Visit our help center.
*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 Offer can be withdrawn at any time.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 .