Why City Lending? Welcome home.

Own your home, and the homebuying process. Let City Lending Inc help you get there.


Call us: +1 703-239-7700

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Multiple Purchase Programs To Fit Your Families Individual Needs

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We Offer Some Of The Lowest Down Payments & Interest Rates In The Nation

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Highly qualified bilingual Loan Officers To Assist You and Your Family


Our Programs

We have multiple loan programs that adapt to your needs and profile. Find the right program that fits your needs then contact us. Or, call us and we’ll inform you about the differences within each.


FHA Loan

To qualify for a FHA Loan mortgage, only a 3.5% down payment is required of the total purchase value.

  • Only for military borrowers

  • Credit scores 600+

  • No mortgage insurance required



Ideal for First-time Homebuyers and for those with a good credit score, but lack enough money for a down payment.

  • Low Down Payments: 3% down for 620+ Fico

  • High DTI OK: 50% Max DU and 45% Max LP

  • 1 year of taxes for self-employed


VA Loan

VA Loans are designed to help service members and Veterans obtain financing at very reasonable rates. Our loan offers financing up to 100% of the home’s value with no maximum loan limit.

  • Low Down Payments: 3% down for 620+ Fico

  • High DTI OK: 50% Max DU and 45% Max LP

  • 1 year of taxes for self-employed


TAX ID 100%

Many business owners, self-employed individuals, investors, or commission-based employees may not have traditional income documentation that accurately represents their creditworthiness. The TAX ID 100% loan is the solution for them.

Did You Know? 

100% or low-down payment Financing Available for Special Situations 

  • “Tax ID Borrowers” 

  • Self Employed borrowers – we calculate income using the last 3 months bank statements

  • W2 Employees – we use the new income

  • 1 day after foreclosure 

  • 1 day after bankruptcy  

  • No Assets seasoning  

  • 40 years financing to achieve a lower payment  

  • Seller concession 6% allowed  

  • 5% down payment with 660 credit score 6.875% 

  • 2.5% down payment with 660 credit score 7.5% 

  • 0% down payment with 660 credit score 8.25% 

Happy Family

Why Should I Choose City Lending?

We guarantee premium customer service and assistance for you. Your home is our priority, and your happiness our mission. We’ll ensure the entire experience is a memorable one that will continue the joy of homebuying. We are so sure that you will have a pleasant experience that you will feel excited to tell family members and friends about us.

At the end, most of our customers become family.