Home buyers and homeowners
Buying a primary home or reconsidering the loan on a property you already own.
- Purchase
- Refinance
- Cash-out review
Plans first. Products second.
Home loan guidance for buyers, homeowners, and investors.
Buying a home, refinancing, investing, or self-employed? Tell Citadel what you want to accomplish. We’ll review the property, income, and available documents with you and explain the next step.
Start with a short inquiry. A loan decision requires review.
Buy a homeRefinanceInvestExplain complex income
Different income. Different properties. One clear place to start.
A useful mortgage conversation starts with how you earn, what you are financing, and what you want the loan to accomplish—not with a wall of product names.
Self-employed borrowers
When business income, freelance work, or tax returns need a more careful documentation review.
- Business owners
- Freelancers
- Bank-statement options
Property investors
Financing conversations shaped around the property, rental income, and your investment plan.
- Rental properties
- DSCR scenarios
- Purchase or cash-out
Nicolas ZhaoManaging Director · Loan OfficerDRE 02010532 · NMLS 1632716
Talk through the details with Nicolas.
Bring the property, your plans, and the documents you already have. Nicolas will help identify the questions worth answering next.
See the payment—not just the home price.
Adjust a few numbers to compare a purchase scenario. This is an illustration, not a rate quote or loan offer.
Change any figure to compare your monthly principal and interest.
Estimated principal & interest
Fixed-rate illustration only. Excludes property taxes, homeowners insurance, mortgage insurance, HOA dues, and closing costs. Your total payment may be higher.
Include taxes and insuranceKnow what comes next.
An inquiry starts the conversation. The next steps depend on your situation.
Tell us your plans
Share the basic borrower and property details.
Review your options
Discuss what information may be needed for your situation.
Complete your application
Provide the details and documents requested for the next stage.
Move into review
Your application and supporting documents are reviewed. Additional information may be requested.
These are starting stages, not a promise of approval. Underwriting and closing requirements depend on the loan.
See how the process worksAlready working with Citadel?
Sign in to continue your application and manage documents for your loan.
Your next step can be a simple conversation.
Share the basics online or contact Nicolas directly. You do not need to have every document ready before you start.