Dave Castro - Loan Officer NMLS# 1986540

Dave Castro - Loan Officer NMLS# 1986540 I'm not like a bank or retail lender where they can only offer the handful of products their bank has, or you can only reach them Monday - Friday 9am - 5pm.

As your Loan Officer, I'm committed to helping you achieve your goals by working in your best interest and walking alongside you through every step of the journey for a refinance or new home purchase and that journey doesn't end on closing day. Being in the broker space, I have the ability to access many wholesale lenders with countless loan products to make sure you get the loan product that's be

st for you, the best rate/price, and the fastest closing. I don't have a land line, my communication and availability is 100% cell phone, including evenings and weekends, to make sure my clients are taken care of. I'm more than your Loan Officer, I'm your partner and teammate. HABLAMOS ESPANOL!

Should've been 7 business days if the appraiser had delivered his DESKTOP appraisal report on time and wasn't 2 days lat...
04/06/2022

Should've been 7 business days if the appraiser had delivered his DESKTOP appraisal report on time and wasn't 2 days late. Still CTC 2 weeks before contract closing date. Freaky Fast!

Up to $600 appraisal credit for qualified buyers. Multiple of my recent buyers have been eligible for desktop appraisals...
04/05/2022

Up to $600 appraisal credit for qualified buyers. Multiple of my recent buyers have been eligible for desktop appraisals, which is priced less than $600, meaning a free appraisal after the credit is applied on the Closing Disclosure! Not to mention, desktop appraisal = faster closing. In a market as competitive as this, speed is the name of the game and wins contracts.

The days of slow 2-week or longer appraisals are in the history books. If an appraisal waiver isn't granted, a freaky fa...
03/30/2022

The days of slow 2-week or longer appraisals are in the history books. If an appraisal waiver isn't granted, a freaky fast appraisal is the next best thing. My most recent one was eligible for desktop appraisal. Ordered the afternoon of 3/24, assigned to an appraiser 4 hours after order submitted, desktop appraisal completed yesterday, report ETA this coming Monday 4/4 at the very latest or anytime between now and then. That's a maximum appraisal time of 7 business days from the day the order was first placed! Fast appraisals = fast closings.

Freaky fast! If you're looking to purchase or refinance a home, contact me for an initial conversation about your situat...
03/25/2022

Freaky fast! If you're looking to purchase or refinance a home, contact me for an initial conversation about your situation and goals. I'd love to be on your team and get you to another fast and smooth closing.

Conventional 1st w/concurrent piggyback full draw HELOC 2nd. Saved my buyer a lot of money vs going jumbo, and condition...
03/25/2022

Conventional 1st w/concurrent piggyback full draw HELOC 2nd. Saved my buyer a lot of money vs going jumbo, and conditionally approved the same day as submitted to Underwriting for initial review. Eligible for desktop appraisal too! Freaky fast.

03/09/2022

Our $600 credit towards appraisal at closing promotion for conventional, government, and jumbo purchase loans submitted to Underwriting by 3/31, has now been extend to 4/30!

Yet another freaky fast Clear to Close with an appraisal! Should've been quicker, but the Underwriter was a little overz...
03/04/2022

Yet another freaky fast Clear to Close with an appraisal! Should've been quicker, but the Underwriter was a little overzealous. Always a good Friday when you get that CTC though! Let me know if you're considering purchasing a new home or refinancing an existing one before rates go even higher, I'll provide you top shelf service and fast closings.

Rates are still relatively low and property values are skyrocketing. You might have a lot more equity in your home than ...
02/04/2022

Rates are still relatively low and property values are skyrocketing. You might have a lot more equity in your home than you think. Now is the time to take some of that equity out for home improvement project(s), that well-earned family vacation, and/or higher interest rate debt consolidation and payoff before rates go any higher as they're forecasted to do!

You: "But Dave, I refinanced about a year ago when rates were rock bottom and have a crazy low interest rate right now that I don't want to lose for a higher rate."

Me: "That's great you got such an awesome interest rate at the right time. But, what about your overall blended interest rate, which includes all your other debts?"

You: "Well, I do have some sizeable balances on some credit cards that have interest rates 15% or more, as well as a car loan with an interest rate around 7%."

Me: "You're unnecessarily bleeding out hundreds of dollars a month on those higher interest rates. I can save you hundreds of dollars a month doing a refinance and you walk away with those other higher interest rate debts completely paid off and your new mortgage loan will have only a slightly higher interest rate than you currently have, if at all. Plus, if you're currently paying mortgage insurance, you may still have enough equity in the home to drop that mortgage insurance off, saving you even more a month."

You: "Ahhhhh, I get the big picture now. Ya, let's get into and see if you can help me out to decrease my excess debt and stop the bleeding from those higher interest rates I'm paying every month!"

Address

6300 S. Syracuse Way #295
Centennial, CO
80113

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