Company and responsible broker
- Citadel R&C Inc
- DRE 02164531
- NMLS 2286403
- Licensed by the California Department of Real Estate
- (408) 744-2945
Mortgage loan originator
Nicolas Zhao is presented on this website as the individual mortgage loan originator. Verify the current license record through the official links below before relying on licensing information.
- Nicolas Zhao — Managing Director
- DRE 02010532
- NMLS 1632716
Verify a license
Loan Program Notice
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.
Equal Housing
Citadel R&C Inc. is an Equal Housing Lender. Mortgage-related services are offered without unlawful discrimination under applicable fair-housing and equal-credit-opportunity requirements.
Advertising and estimates
Website content, educational examples, calculators, and program descriptions are general information. An illustration is not a rate quote, Loan Estimate, approval, or commitment to lend. Any credit terms that may be discussed depend on the current program, property, borrower qualifications, documentation, and underwriting review.
Initial Inquiry
Submitting an inquiry begins a conversation. It does not authorize a credit pull and does not create a loan application decision, approval, rate lock, or commitment to lend. Additional information and separate authorization may be required before any formal credit review.
Questions
For questions about licensing or a disclosure on this website, contact Citadel at (408) 744-2945 or Nicolas@CitadelRC.com.