¿How can we help you?
About the company
What is City Lending?
City Lending Inc is an organization that provides financial alternatives in mortgage loans, with 11 years of experience, serving several communities in the states where we are licensed.
Why should I use City Lending?
We are facilitators in the mortgage origination process, seeking to make a positive and lasting impact on our communities by promoting financial education and empowering our team. “We say yes when others say no”
Does City Lending operate in my state?
We’re currently in 29 states: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Louisiana, Illinois, Indiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Puerto Rico, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and West Virginia. Find the nearest loan officer here.
¿How do I contact customer service?
You can call directly at 877-204-8191 or send an email to info@citylendinginc.com.
About the loan process
How do I get a pre-approval?
We’ll review your financial information, including your income, debts, and credit score, to determine how much you’re qualified to borrow. A pre-approval letter gives you an advantage when house shopping, as it shows sellers you’re serious and financially prepared. Get yours here.
*It’s important to note that not everyone will be preapproved.
What documents do I need to apply for a loan?
The exact documents can vary depending on your situation and type of loan, but generally, you’ll need: Identification, proof of income, proof of assets, credit history, employment verification. Contact a loan officer to get more information.
*A consumer is not obligated to provide verification documents prior to receiving a Loan Estimate and indicating an intent to proceed.
How important is my credit score?
Your credit score is a key factor in determining your eligibility for a mortgage. It impacts your loan approval, the interest rate and loan options: Some loan programs require a minimum credit score, while others, like FHA or VA loans, are more flexible. But even if your score isn’t perfect, we offer programs to help borrowers with lower credit scores.
What kind of loan is the right for me?
The right loan depends on your financial situation and homeownership goals. Find your situation here.
I don’t have enough money for my down payment.
Not all loans require 20% down. There are programs like the FHA Loan Program that puts donations and grants towards your down payment.
Veterans can finance up to 100% of their mortgage with the VA Loan Program. Even a borrower with an ITIN can get a down payment as low as 3.5% down. Contact one of our loan officers today.
Do I need to find my home before I apply for a mortgage?
No! And getting prequalified for your mortgage before you find a home may actually make you a more competitive buyer.
Contact one of our loan officers today to get yours.
What will my mortgage payment be?
Your monthly mortgage payment depends on several factors: your term length, mortgage type, down payment, property appraisal, credit score, etc. You can get an estimate of what your payment might look like with a mortgage calculator.
What you should know after the closing
Where should I send my payment?
Your first mortgage payment details will be provided in your closing documents. Always confirm payment details to avoid late fees.
How long should I wait to refinance my mortgage?
Typically, you should wait 6 to 12 months before refinancing. This allows time to establish a payment history and assess if refinancing makes financial sense. For cash-out refinances, minimum equity levels is often required, so check your loan agreement for specific guidelines.
How will my taxes and insurance be paid?
If you have an escrow account, a portion of your monthly mortgage payment is set aside to cover property taxes and homeowners’ insurance. We’ll make these payments on your behalf when they’re due. If you don’t have an escrow account, you’ll be responsible for paying these expenses directly.
How do I set up my payments?
For more information contact your loan officer.
Can I change my payment date?
In some cases, you may be able to change your payment date, but this depends on our policies. Contact us (+1 877-204-8191) to inquire about flexibility and be aware that changing your date could result in an interest adjustment or fees.
¿Didn’t find the answer you were looking for?
Don’t worry. Please make sure to contact us directly to +1 877-204-8191 or your assigned loan officer to answer all your questions.
Tired of renting?
2010 Corporate Ridge, Suite 850, Mclean, VA 22102
877-204-8191
info@citylendinginc.com
Information
Terms & Conditions
Licensed States
City Lending, Inc. © 2024. ALL RIGHTS RESERVED | 877-204-8191 | NMLS ID: 1045126 City Lending, Inc. is a licensed mortgage company, with its main office located at 2010 Corporate Ridge, Suite 850, McLean, VA 22102. NMLS Unique Identifier #1045126 / Arizona, NMLS #1042524 (www.nmlsconsumeraccess.org).
NMLS Consumer Access is a free service for consumers to verify whether a financial services company or professional is authorized to do business in their state. Equal Housing Opportunity | © 2025 City Lending Inc.
