Citadel Home Loan

Nicolas Zhao

Managing Director · Loan Officer

NMLS# 1631716

Citadel R&C Inc · DRE 02164531 · NMLS 2286403(408) 744-2945 Nicolas@CitadelRC.com

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NMLS1631716

Company NMLS2286403

DRE02164531

About us

Get to know Nicolas

Citadel Home Loan works with borrowers, homeowners, investors, and referral partners who need clear answers and flexible loan options. The first conversation is designed to understand what is possible before deeper paperwork begins.

Nicolas helps clients sort the goal, timing, property, income picture, reserves, and documentation path so the next step feels clear instead of rushed.

Review the borrower, property, timing, and documentation path together.

Explain the likely loan direction before the process gets heavy.

Keep communication practical for borrowers, investors, and referral partners.

What working together looks like

Scenario reviewPurchase, refinance, cash-out, Non-QM, DSCR, and bank statement questions.

Clear next stepKnow whether to estimate, get pre-approved, or complete the full application.

Documentation planUnderstand the paperwork path before underwriting asks for it.

Loan programs reviewed

Purchase Refinance Cash-Out HELOC Non-QM DSCR Bank Statement Self-Employed Foreign National ITIN

Next step

Speak with Nicolas

Ask a real loan officer which first step fits your scenario — estimate, pre-approval, or the full application.

Call Nicolas(408) 744-2945 Email NicolasNicolas@CitadelRC.com

Final loan terms, qualification, and approval are subject to review and applicable requirements.

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.