Home loans with Esther Castillo-Lerma

Home loans with Esther Castillo-Lerma Buying a home? Refinancing? Need a 2nd Opinion? Call or text me!

Por supuesto que hablo español 😊
Esther Castillo-Lerma NMLS 693044
Veritas Funding | NMLS 252108 | Equal Housing Lender Esther Castillo-Lerma NMLS #693044; Veritas Funding NMLS #252108

Esther Castillo-Lerma believes in the value of homeownership and understands that each individual’s financial situation is unique. Her goal is to make the home loan process as easy and seamless as possible and fin

d the right mortgage to get you into your dream home. Esther has a deep understanding of the many loan programs on offer at HomeVantage and works closely with her clients to find the right home loan product to fit their needs. Esther is also a Freddie Mac CreditSmart Certified Facilitator and can help empower buyers to take control of their credit. If you’re thinking about purchasing a new home or refinancing an existing mortgage, Esther would be happy to talk to you about your current and long-term needs. Whether you’re looking to purchase your first home or your fifth, or thinking of refinancing, contact Esther today to get started.

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Castillo-Lerma cree en el valor de ser dueño de tu propia casa y entiende que la situación financiera de cada individuo es única. Su meta es hacer el proceso de préstamos lo mas sencillo y fluido posible y encontrar la mejor hipoteca para que obtengas la casa de tus sueños. Esther tiene un entendimiento profundo de muchos programas de préstamos que ofrece HomeVantage y trabaja junto con sus clientes para encontrar el mejor préstamo hipotecario para cada uno. Esther también es un Facilitador Certified de Freddie Mac CreditSmart y empodera a los compradores tomar control de su crédito. Si estas pensando en comprar casa nueva o refinanciar la hipoteca que ahora tienes, Esther con mucho gusto platica contigo acerca de tus necesidades ahora y a largo plazo. Si estas comprando tu primera casa o tu quinta, pensando en refinanciar, comunícate con Esther para comenzar el proceso hoy.

04/24/2026

De regreso en el programa de Su Casa Group con Lourdes Garcia en la Radio 1150 AM Denver compartiendo información que sí importa. 🏡🎙️

En este episodio hablamos de:✔️ Qué necesitas para comprar casa✔️ Actualización del mercado en Denver Metro✔️ Diferencias entre W-2 y self-employed para un préstamo✔️ Programas disponibles✔️ Mitos vs realidades en préstamos hipotecarios

La educación abre puertas. Escúchalo aquí:

We still have a few spots available for this exciting workshop to ensure you are on the right track - financially - and ...
04/24/2026

We still have a few spots available for this exciting workshop to ensure you are on the right track - financially - and not just working on your day-to-day tasks.

You’ve built the income… but what is it building for you?At some point, it’s not just about working harder—it’s about pl...
04/04/2026

You’ve built the income… but what is it building for you?

At some point, it’s not just about working harder—it’s about planning smarter.

If you’re a professional or business owner who’s been focused on growth, staying busy, and doing “all the right things”… this is your moment to pause and ask:

👉 What’s my exit plan?
👉 Am I building real wealth—or just income?
👉 Will what I’m doing today support me long-term?

This is a curated workshop designed for those ready to move beyond the day-to-day and start building with intention.

We’ll cover:
• Long-term wealth strategies
• Financial positioning for the future
• Real estate as part of a bigger plan

This isn’t a beginner session—it’s for those ready to get strategic.

⚠️ Limited seating
📅 April 30, 2026 - 10 AM
📍 4045 Pecos St., Denver, CO 80211

👉 Scan the QR code or register thru Eventbrite - link in comments

Because your future deserves more than “we’ll figure it out later.”

04/04/2026

Working harder isn’t the strategy anymore.

Planning is.

If you don’t have a clear plan for your:
– Financial future
– Business exit
– Long-term stability

…it’s time.

Join us for Pathways to Prosperity, a workshop for professionals and business owners ready to think beyond today.

⚠️ Limited seating
📅 Thursday, April 30, 10 AM
📍 4045 Pecos St., Denver, CO 80211

👉 Save your spot: Scan QR or visit Eventbrite

Fantastic news, folks! Starting tomorrow, March 5, the ban on trigger leads takes effect. That means when you apply for ...
03/06/2026

Fantastic news, folks! Starting tomorrow, March 5, the ban on trigger leads takes effect. That means when you apply for a mortgage, you shouldn’t get bombarded with dozens of calls from lenders you’ve never spoken to. Lenders will need to have an existing relationship with you before reaching out for marketing purposes. A great step forward for transparency and consumer protection in the mortgage process — and for doing business the right way from the start. 😉🥳

¡Excelentes noticias, amigos! A partir de mañana, 5 de marzo, entra en vigor la prohibición de los trigger leads. Esto significa que cuando solicites una hipoteca, ya no deberían bombardearte con decenas de llamadas de financieras con las que nunca has hablado. Los prestamistas ahora deberán tener una relación previa contigo antes de contactarte con fines de mercadeo. Un gran paso hacia una mayor transparencia y protección para el consumidor en el proceso hipotecario — y para hacer negocios de la manera correcta desde el principio. 😉🥳

✨ Wrapping up a meaningful series of financial literacy workshops ✨Over the past few months, I had the opportunity to fa...
01/12/2026

✨ Wrapping up a meaningful series of financial literacy workshops ✨

Over the past few months, I had the opportunity to facilitate financial literacy workshops for parents within Denver Public Schools, offered in English, Spanish, and with Vietnamese interpretation.

Huge thank you to DPS FACE (Family and Community Engagement) for the opportunity to do this work and for their commitment to supporting families across languages and communities.

We focused on the fundamentals — budgeting, money habits, and financial awareness — because here’s the truth:

You can’t sustainably buy or keep a home without strong financial literacy — and without it, we don’t truly understand or leverage generational wealth in meaningful ways.

Grateful for the engagement, the questions, and the community built in these spaces 💛

📸 Moments from the sessions below.

01/01/2026

Wishing you a fabulous 2026, delicious leftovers, a clean fridge, lots of laughter, love-filled moments, and financial goals moving in the right direction. ✨

Deseándote rica comida recalentada, un refri limpio, muchas risas, momentos llenos de amor y metas financieras avanzando en la dirección correcta. Que tengas un hermoso Año Nuevo. ✨

🎆🥂Thank you to each and every one of you who was part of my 2025 — Colleagues, clients, and partners—thank you for the collaborations, the conversations, the trust, and the moments shared. With gratitude and purpose, ready for what’s ahead.

🎆🥂Gracias a cada uno de ustedes que formó parte de mi 2025 — Colegas, clientes y aliados—gracias por las colaboraciones, las conversaciones, la confianza y los momentos compartidos. Con gratitud y propósito, lista para lo que viene.

#2026

✨ YES — $100,000 condos still exist! ✨Last week, my client closed on his very first home: a $100,000 condo that checked ...
12/01/2025

✨ YES — $100,000 condos still exist! ✨

Last week, my client closed on his very first home: a $100,000 condo that checked every box he cared about.

Here’s what made this purchase so meaningful:

🔹 He stayed within his budget
🔹 He received seller concessions toward closing costs
🔹 He qualified for a 2% grant
🔹 He was able to keep part of his savings intact after closing
🔹 And he’s walking into his home with equity from day one

Affordable properties can create real financial stability — and this is a perfect example.

This is what happens when you know your numbers, honor your budget, and work with a team that listens to your goals instead of steering you somewhere else.

A huge shoutout to the excellent real estate professionals on this transaction. Rita Ulloa-Realtor - I’ve known her since our kids were in elementary school, and she continues to be one of the strongest, most client-centered agents out there. She and her business partner- Elizabeth Lopez - handled every detail with clarity, care, and true professionalism. 🙌🏽

Onward and upward for Ronald — this is how stability begins and grows.

When you’re ready, we’ll guide you with the same intentionality.

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✨ ¡SÍ existen propiedades de $100,000! ✨

La semana pasada mi cliente cerró su primer hogar: un condominio de $100,000 que cumplió con todo lo que él buscaba.

Lo que hizo esta compra tan especial:

🔹 Se mantuvo dentro de su presupuesto
🔹 Recibió concesiones del vendedor para los costos de cierre
🔹 Calificó para una beca del 2%
🔹 Pudo conservar parte de sus ahorros después del cierre
🔹 Y entra a su nuevo hogar con equidad desde el primer día

Las propiedades accesibles sí pueden crear estabilidad financiera — y este es el ejemplo perfecto.

Esto es lo que pasa cuando conoces tus números, respetas tu presupuesto y trabajas con un equipo que escucha tus metas en lugar de empujarte hacia otra dirección.

Un enorme reconocimiento al equipo de bienes raíces en esta transacción. Conozco a Rita Ulloa - desde que nuestros hijos estaban en la primaria, y sigue demostrando por qué es una de las profesionales más dedicadas y enfocadas en el cliente. Ella y su colega - Elizabeth - manejaron cada detalle con claridad, cuidado y verdadero profesionalismo. 🙌🏽

Hacia adelante y hacia arriba para Ronald —
así comienza y crece la estabilidad.

Cuando estés listo(a), te guiaremos con la misma intencionalidad.

Big congratulations to Luis on becoming a first-time homeowner! 🏡🙌 If there was a world record for “Most Questions Asked...
11/21/2025

Big congratulations to Luis on becoming a first-time homeowner! 🏡🙌 If there was a world record for “Most Questions Asked in One Transaction,” he would’ve taken the trophy — and I appreciate it!

Asking questions means you care. It means you’re paying attention. It means you want to fully understand your investment. I’m so glad he trusted me with this journey and felt comfortable enough to ask away.

Shoutout to Diego for referring him over — 🙏
Here’s to his new home, his new journal, and knowing exactly where to find me when the next question pops up. ✨📓🔑

¡Muchas felicidades a Luis por convertirse en dueño de casa por primera vez! 🏡🙌
Si existiera un récord mundial por “La Mayor Cantidad de Preguntas en una Transacción”, él se llevaría el trofeo — ¡y lo aprecio muchísimo!

Hacer preguntas significa que estás prestando atención. Significa que quieres entender completamente tu inversión. Me alegra que confiara en mí en este camino y que se sintiera con la libertad de preguntar todo lo que necesitaba.

Un shoutout para Diego por referirlo — 🙏
Brindemos por su nuevo hogar, su nuevo journal y por saber exactamente dónde encontrarme cuando surja la próxima pregunta. ✨📓🔑

̃oshechosrealidad

What started a year and a half ago, finally culminated in a new home for Francia and Luan. Congrats to them, their persi...
10/27/2025

What started a year and a half ago, finally culminated in a new home for Francia and Luan. Congrats to them, their persistence and patience!🏡🥳 And Thank You Patty Rosales for trusting me from day one with this . Some home journeys are like the market — full of twists, turns, and surprises. Wouldn’t have it any other way!
Now let’s toast with a whiskey, Patty! 🥃

Hace un año y medio que comenzamos la jornada de compra de casa con Francia y Luan. Felicidades a ellos por su persistencia y paciencia que lograron comprar su casa. 🏡🥳 y mil gracias Patty Rosales por tu confianza en mi desde el primer día con esta jornada — ¿que fuera si no emocionante? - y ahora para celebrar con un whiskey 🥃

📣 DPS Families — Let’s Talk Money Basics!Join me for a free Financial Literacy 101 session with Denver Public Schools’ F...
10/17/2025

📣 DPS Families — Let’s Talk Money Basics!
Join me for a free Financial Literacy 101 session with Denver Public Schools’ FACE Department!
We’ll cover how to budget, save, and spend wisely — plus simple ways to help your kids build smart money habits. 💰
Let’s take the first step toward confidence and financial well-being together.

🗓️ Wednesday, October 29 - 6-7 pm
📍 Virtual
🔗 Registration Link in Comments

Address

4045 Pecos Street #210/12
Denver, CO
80211

Telephone

+17203339997

Website

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