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Citadel Home Loan

Find the right path for your home loan.

Purchase, refinance, and flexible mortgage options reviewed with calm, personal guidance from a loan officer who understands complex borrower situations.

Apply NowExplore Loan Options

Questions? Speak with Nicolas Zhao · Loan Officer

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NMLS1631716

What can we help you with?

Get Pre-ApprovedStart with a short request so the team can review your goal.Start nowComplete ApplicationContinue into the full application when you are ready.ContinueForms & DocumentsKnow what to gather before underwriting asks for it.View formsSpeak With NicolasAsk a real loan officer which first step fits your scenario.Contact Nicolas

Payment estimate

Estimate your monthly payment

Run a quick purchase or refinance estimate before you decide which loan path deserves a closer review.

Purchase payment estimateStart with the four numbers most buyers know.
Home price Drag or type
$
$100k$3M
Down payment Dollars or %
$
%
0%50%
Interest rate Illustrative
%
2%12%
Illustrative interest rate — edit this value to explore different scenarios. This is not a rate quote.
Loan term
Taxes, insurance & other costs

These amounts vary by property and loan program. Edit them if you want a fuller payment estimate.

Estimated monthly payment

$2,809/mo

Includes principal & interest plus the property costs entered in this calculator.

81%P&I
Principal & interest
$2,275
Property taxes
$400
Homeowners insurance
$133
HOA dues
$0
Mortgage insurance
$0
Loan amount$360,000
Down payment$90,000 · 20.0%
Loan-to-value80.0%
Loan term30 years

Results are estimates for informational purposes only. Actual payments, rates, taxes, insurance, mortgage insurance, closing costs and qualification requirements may vary. This calculator does not constitute a loan approval, rate lock or commitment to lend.

Start Your ApplicationExplore Loan Options
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Mortgage guidance

Loan options built around real financial situations.

Citadel helps borrowers, homeowners, and investors understand which documentation path may fit before the process becomes heavy.

PurchaseHome-loan options for primary, second-home, and eligible investment-property purchases.RefinanceReview current loan structure, long-term financing, or property-related goals.Cash-OutExplore whether available property equity may support a financial goal.HELOCReview flexible home-equity access without replacing an existing first mortgage.Non-QMMortgage options for files that may not fit standard income or documentation paths.DSCRInvestment-property review based on eligible rental income and property cash flow.Bank StatementA documentation path that may help eligible self-employed borrowers.Self-EmployedA review path for business owners, contractors, and borrowers with variable income.Foreign NationalMortgage review for eligible international borrowers and investors.ITINMortgage options that may be available to eligible ITIN borrowers.
View All Loan Options

Citadel R&C Inc · DRE 02164531 · NMLS 2286403. Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.