Explore loan options

The FHA loan program, offered through United Wholesale Mortgage, is designed to help first-time homebuyers and those with less-than-perfect credit achieve their dream of homeownership. With lower down payment requirements and flexible credit score criteria, FHA loans make it easier for you to secure financing. Our experienced team at Castillo Real Estate LLC is here to guide you through the entire process, ensuring you understand every step and find the best loan options for your needs. At Castillo Real Estate LLC, we partner with United Wholesale Mortgage to provide you with competitive rates and exceptional service. Whether you're purchasing your first home or refinancing an existing mortgage, our FHA loan program is tailored to meet your specific financial situation. Discover the benefits of FHA loans today and take the first step towards owning your dream home with confidence.

Conventional loans are a popular choice for buyers seeking flexibility and competitive pricing. These conforming loans, backed by government-sponsored entities, meet specific guidelines, making them accessible to a wide range of borrowers. With multiple lenders available, you can shop around to find the best rates tailored to your financial situation. At Castillo Real Estate LLC, we guide you through the process of securing a Conventional loan that fits your needs. Our experienced team will help you understand the benefits, from lower down payments to fewer restrictions, ensuring you make an informed decision. Start your journey towards homeownership with us today!

At Castillo Real Estate LLC, we proudly offer VA loan programs designed specifically for our veterans. With options for 0% down payment, these loans make home ownership more accessible for those who have served our country. We understand the unique financial needs of veterans and active military members, and our team is here to guide you through the process with expertise and care. Our commitment to our military community is unwavering. We prioritize your needs with programs that cater to your lifestyle and financial goals. Take advantage of our VA loan options, including the SR-22 insurance requirements, tailored to suit veterans. Thank you for your service! Let us help you secure the home of your dreams with a loan that respects your sacrifices and honors your commitment to our nation.

DSCR loans, or Debt Service Coverage Ratio loans, are tailored for real estate investors seeking to finance their properties based on their income-generating potential. This type of financing evaluates the ability of the property to cover its debt obligations, making it an ideal choice for investors looking to maximize their cash flow. With a focus on the property's income rather than the borrower's personal income, DSCR loans open the door to more investment opportunities, enabling you to grow your real estate portfolio with confidence.

Non-QM (Non-Qualified Mortgage) loans offer flexible options for borrowers who may not fit into the traditional lending criteria. Whether you're self-employed, have unique income sources, or are looking for alternatives like bank statement loans, Non-QM loans cater to a diverse range of financial situations. They are ideal for those seeking non-conforming loan options, providing access to private equity solutions that can help you achieve your homeownership dreams. At Castillo Real Estate LLC, we guide you through the intricacies of Non-QM loans, ensuring you find the best fit for your needs.

For clients who anticipate a significant increase in income or property value in the next several years, plan short-term stays in their home, or would like to significantly lower their mortgage payments, an adjustable rate mortgage loan may be the right option. As the name implies, ARMs have interest rates that change at a pre-determined interval. They typically start with lower initial rates compared to fixed-rate mortgages, providing you with the opportunity to save on monthly payments in the early years of your loan. However, it’s essential to understand the potential for rate increases in the future and how that may impact your financial situation.