Flexible Loan Solutions
Review options for purchase, refinance, cash-out, HELOC, and Non-QM scenarios.
About us
A practical approach to home lending.
Citadel Home Loan works with borrowers, homeowners, investors, and referral partners who need clear answers and flexible loan options.
How we review
We look at the whole file before recommending a path.
Income, property, timing, credit, reserves, and documentation all matter. The first conversation is designed to understand what is possible before deeper paperwork begins.
Leadership
Nicolas Zhao
Managing DirectorNicolas works directly with borrowers and partners to review loan scenarios, explain available options, and help each client understand the next step.
Real Estate Financing
Support for homeowners, investors, self-employed borrowers, and referral partners.
Clear Scenario Review
Simple communication before borrowers move into deeper documentation.
Start the review
Ready to talk through your loan options?
Tell us what you are looking to do, and we will review the details with you.
Start with a short inquiry.
- Takes only a few minutes.
- Your information is reviewed before next steps are discussed.
- Loan options depend on eligibility, documentation, and underwriting.