Home-loan options for your next purchase.
Whether you are buying a primary residence, second home, or eligible investment property, the right starting point is understanding the property, borrower, down payment, and financing goal.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- First-time buyers
- Repeat buyers
- Second-home buyers
- Eligible property investors
Common uses
- Primary-home purchase
- Second-home purchase
- Investment-property purchase
- A second review of available options
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.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Purchase price
- Down payment
- Occupancy
- Property type
- Income documentation
- Estimated credit range
- Timeline
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about Purchase
General guidance to help you decide what to ask.
Do I need to know the exact loan program before applying?
No. Start with the purchase goal and basic property details. The available path depends on review.
Can investment-property purchases be reviewed?
Yes. Eligible investment-property scenarios can be reviewed based on property, loan amount, and documentation.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved