Start with your plans. Find the right loan path together.

You do not need to choose a mortgage product before you ask a question. Tell Citadel what you want to do; we can review the details that matter for your situation.

Get Pre-ApprovedStart with an inquiry. A loan decision requires review.

A calm, naturally lit living room with warm wood and neutral furnishings

Buy a home

Planning a purchase? Start with the property, your down payment, and how you intend to use the home.

Purchase

Change your current financing

Review an existing mortgage, consider available equity, or ask about a line of credit.

Refinance Cash-Out HELOC

Your income needs a closer look

A conventional income calculation does not always tell the full story. Discuss what documents best explain your situation.

Self-Employed Bank Statement Non-QM

Finance an investment property

Talk through the property, the expected rental income, and your plans for the investment.

DSCR

A less typical borrowing situation?

Residency, credit history, or documentation can affect which programs are available. These existing guides explain two specialized paths.

Foreign National ITIN

Not sure where you fit?

That is a good reason to talk. We can start with the borrower, the property, and the documents you have.

Tell Us About Your Plans Call (408) 744-2945