Nicolas Zhao

Get to know Nicolas

A mortgage decision should not feel like guesswork. Nicolas helps borrowers, homeowners, investors, and referral partners sort the goal, timing, property, and documentation path before the process gets heavy.

Purchase, refinance, and flexible mortgage options are reviewed with calm, personal guidance from a loan officer who understands complex borrower situations — including files that may not fit standard income or documentation paths.

Citadel helps borrowers, homeowners, and investors understand which documentation path may fit before the process becomes heavy, so you always know the next step.