Find out how much you will save by refinancing your home!
With rates this low refinancing it’s a very smart financial move right now.
Let me help you, get it done the easiest and fastest way!
Apply today!

    My name is Isaac Sandoval

    and I´ve helping people get refinance their homes in the DC metro area for the past 7 years. As an expert loan officer with experience dealing with every type of homeowner, I understand the needs of each client.

    Communication is key, in today’s fast paced market it’s important to partner with a mortgage professional that can give you a realist expectation of your refinancing process, and that’s me! I´m here to get ahead of any potential pitfalls and celebrate with you.

    Get to know our most popular refinancing programs
    Renovate your house with FHA 203K

    With this loan you can make home improvements on a new house, make simple upgrades like a kitchen or bath for a home you already own, or completely reconstruct an unlivable property.

    Refinance by showing your Bank Statement

    This loan is ideal if you are having a hard time qualifying for a traditional home loan. This program gives self-employed homeowners the ability to qualify based on a 12 or 24-month deposit fee using their personal or business bank account.

    Get some equity from your house with FHA Cash out

    An FHA cash-out lets a borrower to replace their current mortgage with another mortgage, as well as get cash, if you have sufficient equity in your property.

    Get rid of your mortgage insurance, get some cash out, reduce the years of your mortgage or get a better interest rate… I can help you get any of those options by refinancing your house
    Sign up and let me give you my expert advice in a quick call

    City Lending, Inc. © 2019. ALL RIGHTS RESERVED | 703.239.7700 NMLS ID:1045126

    City Lending, Inc. is a licensed mortgage company, with its main office located at 8150 Leesburg Pike, Suite 405, Vienna, VA 22182. NMLS Unique Identifier #1045126. (www.nmlsconsumeraccess.org). NMLS Consumer access is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state. Disclaimer for New York State residents: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the state of New York can be facilitated through this site.

    Legal & Terms

    California Residents:

    In accordance with California law, we will not share information we collect about you with companies outside of our corporation, except as permitted by law, including, for example, with your consent or to service your loan.  We will limit sharing among our corporation to the extend required by California law. 

    Information We Collect

    This site does not collect personally identifiable information about you unless you expressly provide such information, via web forms, to us on a voluntary basis. We may also add the information you expressly provide to our databases or contact lists. We use such personally identifiable information to send you the information you request, to respond to your inquiries and comments and from time to time, to send you information regarding events and developments that we think may be of interest to you. If you decide at any time that you no longer wish to receive information from us, please contact us at compliance@citylendinginc.com or you can send to us a request by our “Contact Us” section. Alternatively, when you receive materials from us by email, you may make use of the “opt-out” provision in such email to let us know that you no longer wish to receive such materials from us.

    Non-personally Identifiable Information

    We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name, the date and time you access the Site, your length of stay on the Site, the pages that you visit on the Site, the Web site address, if any, from which you linked directly to the Site, the Web site address, if any, to which you travel from the Site, and other similar traffic information. We do not use such data in any way to create or maintain a personal profile of you or to collect personally identifiable information from you. We use this non-personally identifiable information to help us improve the Site and the services we provide through it. We may do this by aggregating your non-personally identifiable information with similar information collected from other users.

    Our Use of Information We Collect

    Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to provide such information to our employees, contractors, agents, and designees to the extent necessary to enable them to perform certain Site-related services on our behalf. We also reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of City Lending and its employees, users of the Site, or the public. Third parties may use cookies, web beacons, and similar technologies to collect or receive information from our website and elsewhere on the Internet and use that information to provide measurement services and target ads. You can opt-out of the collection and use of information for ad targeting by visiting  www.aboutads.info/choices. City Lending reserves the right to transfer any and all information we collect from users, or that we otherwise collect in connection with the Site, including, without limitation, to unaffiliated third parties, in the event of a sale or transfer of assets or portion of our business.

    Security

    City Lending employs reasonable physical, managerial, and technical measures designed to improve the integrity and security of the Site and the personal information you transmit to us and that we store on our systems. Unfortunately, no such measure is foolproof, or immune to being cracked or compromised, whether by intentional hacking or human error. For that reason, we do not guarantee the absolute security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the Site.

    Confidentiality

    Your personal information such as credit cards details, bank account numbers is well kept secret and confidential with us. We will never share any of your personal details to any third party. Our sites do apply appropriate security application in order to keep all the customer’s information safe at all time.

    MARKETING SERVICES

    From time to time, your name and address might be disclosed for mailing lists in connection with the promotion of City Lending Inc’s products and Services and other legitimate business activities. If you wish to remove your name from such lists or limit the use of your name and address at any time, please contact us at info@citylendinginc.com, or by telephone at (703) 239-7700. Your opt-out preferences apply to marketing communications only and we may still send you important Service-related messages as a User of the Service. You may not opt out of these Service-related and transactional communications.

    Links to Other Web Sites

    This Site may contain links to external Web sites owned by third parties. Any information you disclose on those sites is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others

    Children Under 13

    This Site is not directed to children under thirteen years of age, and we do not knowingly collect personally identifiable information from such children. If you are younger than thirteen, please do not provide any personally identifiable information while using the Site.

    Changes to Privacy Policy

    We reserve the right to update, revise or otherwise change this Privacy Policy at any time and any changes to the Privacy Policy will be effective upon posting. Your use of the Site constitutes your acceptance of the currently posted Privacy Policy, and you should therefore review this Privacy Policy regularly to ensure that you are aware of its terms.

    Contact Us; Opt-Out

    If you would like to update or otherwise change the personally identifiable information you have provided to us, or if you no longer wish to receive materials from us or want your personally identifiable information removed from our databases, please contact us at compliance@citylendinginc.com. Alternatively, if and when you receive materials from us by email, you may make use of the “opt-out” provision in such email to let us know that you no longer wish to receive such materials from us. If you have any questions about this Privacy Policy or our collection and use of your personally identifiable information, please contact us at  compliance@citylendinginc.com.

    Texas Consumer Complaint and Recovery Fund Notice

    In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. If you have any further questions you may reach us at info@citylendinginc.com

    Privacy

    We take our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

    We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

    We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

    Licence States

    Disclosures And Licenses

    City Lending, Inc Disclosures And License Information

    City Lending, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

    City Lending, Inc State Disclosure Requirements

    City Lending, Inc. is a licensed mortgage lender. *The following states require disclosure of licensing information.* (If your state is not listed, it doesn’t require a specific license disclosure):

    • California – Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. – License/Registration #: 41DBO-59133
    • Colorado, Mortgage Company Registration
    • Delaware – Lender License – License/Registration #: 30754
    • District of Columbia, Mortgage Dual Authority License – License/Registration #: MLB1045126
    • Florida, Mortgage Broker License – License/Registration #: MBR1935
    • Florida, Mortgage Lender License – License/Registration #: MLD1429
    • Illinois, Residential Mortgage License – License/Registration #: MB.6761423
    • Indiana-DFI, Mortgage Lending License – License/Registration #: 40795
    • Maryland, Mortgage Lender License – License/Registration #: 21056
    • Minnesota – Residential Mortgage Originator License – License/Registration #: MN-M-1045126
    • New Jersey, Residential Mortgage Lender License
    • New York – Mortgage Broker Registration – License/Registration #: RMB 208795
    • North Carolina – Mortgage Lender License – License/Registration #: L-190637
    • Pennsylvania, Mortgage Lender License – License/Registration #: 70432
    • Puerto Rico – Mortgage Lender/Servicer – License/Registration #: IH-245
    • South Carolina BFI – Mortgage Lender – License/Registration #: MLS-1045126
    • Tennessee, Mortgage License – License/Registration #: 164244
    • Texas – SML, Mortgage Banker Registration
    • Virginia, Broker License – License/Registration #: MC-5740
    • Virginia, Lender License – License/Registration #: MC-5740
    • Washington, Consumer Loan Company License – License/Registration #: CL-1045126
    • West Virginia, Mortgage Lender License – License/Registration #: ML-35709
    • West Virginia, Mortgage Broker License – License/Registration #: MB-35708

    In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. If you have any further questions you may reach us at info@citylendinginc.com

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