Thanks for all your help. I'm planning to take a leaf to a nursery soon. Unfortunately, I'm betting termites and Whitefly. I don't want to use anything toxic, if I don't have to, since the tree is full of fruit and we have been so excited waiting for it. I'm hoping we can salvage some of it. We just bought the house and don't have a gardner so this is all new and lots of guesswork. However, we did notice that the corner with the tree has some issues with water leaking from an old water feature that was supposed to be disconnected. Maybe that has caused the problems. I guess these are the joys of homeownership that I heard so much about.

I'll let you all know what I find out!!