Why City Lending? Welcome home.

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

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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.


With Doctor´s Home Loan program, doctors with student debt can now qualify for a loan with a higher amount than they might have previously been able to obtain. This means that they can take advantage of greater purchasing power, allowing them to achieve their goal of homeownership more quickly and efficiently. 

Apply today and see if you can take advantage of this opportunity and secure your first home. If you want more information about this loan, contact us! 


  • Max DTI 45%-50%

  • Minimum credit score: 660

  • Down payment as low as 3% 

  • All these medical licenses are valid

    Medical Resident (Educational License),  (MD), (DDS),  (DMD), (OD), (MD), (PharmD),  (DPM), (DO), (DVM)

  • Also valid for nurses with these licenses: Registered Nurse, Nurse Anesthetist, Nurse Practitioner, Clinical Nurse Specialist


TAX ID 15% is a unique program designed to help America’s immigrant and unbanked populations attain homeownership. This program is available to borrowers who file their federal income taxes with an ITIN, or Individual Tax Identification Number. 

Apply today and see if you can take advantage of this opportunity and secure your first home. If you want more information about this loan, contact us! 


30 Year Fixed

  • Minimum loan amount of $150,000 and maximum of $400,000

  • Maximum DTI of 41%

  • 15% down payment, and a maximum LTV of 85%

  • Minimum score 640

5/1 ARM lower rate for the first 5 years of the loan term 

  • Minimum loan amount of $150,000 and maximum of $400,000

  • Maximum DTI of 41%

  • 20% down payment, and a maximum LTV of 80%

  • Minimum score 640


With this program, homebuyers can reduce their initial mortgage payment for the first two years by getting a seller's concession to pay an upfront fee. This allows them to save money each month and potentially make their dream of homeownership a reality


  • Year 1: Interest rate is reduced by 2%

  • Year 2: Interest rate is reduced by 1%

  • Year 3 and forward: Note rate applies

  • Loan types: Conventional, VA and Smart Series (Non-QM) up to 3/2/1 buydown allowed

  • FHA and USDA up to 2/1 buydown allowed

  • Fixed Rate Products Only

  • Purchase Transactions Only

  • 1-4 Units Primary Residence & Second Home 

  • Manufactured homes ineligible


Many business owners, self-employed individuals, investors, or commission-based employees may not have traditional income documentation that accurately represents their creditworthiness. This new program is the solution for them.

Low-down payment Financing Available for Special Situations


  • 3.5% down payment

  • 600 credit score

  • 660 credit score for self-employed applicants


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


  • No Overlays: We underwrite based on FHA guidelines

  • Low Down Payments: 3.5% for 640+ credit scores

  • High DTI OK: 56.9% max DTI with 640+credit score


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


The FHA 203k Rehabilitation Loan Product is a mortgage loan insured by FHA. This loan let you make home improvements on a old house that needs repairs, or completely reconstruct an unlivable property.


  • No Overlays: We will underwrite based on FHA Guidelines.

  • Low Down Payment: 3.5% down payment for 640+ FICO, 10% down payment for 580+FICO.

  • High DTI OK: Max DTI of 55% for 640+ FICO. Only for primary residences.


The Bank Statement Loan Program is remarkably easy. Why? Less documents are required; No tax Returns, Paystubs, or Work History are necessary. Just Bank Statements. This program gives self-employed borrowers the ability to qualify based on a 12 or 24-month deposit fee using their personal or business bank account.


  • Credit scores down to 620

  • Up to 90% LTV

  • DTI - 50%


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.


  • Only for military borrowers

  • Credit scores 600+

  • No mortgage insurance required


The Individual tax identification number or ITIN Number Loan Product is for foreigners or aliens who do not hold proper documentation or valid Social Security Number. Borrowers must provide legal permissions that certificate they are allowed to work in the United States.


  • As low as 15% Down Payment

  • Max DTI is 43%

  • Minimum loan size is $150,000

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.