Joe the Mortgage Pro, Loan Officer - Texas Coastal Mortgage

08/27/2026

Happy Thursday everyone! I am cohosting an open house this Saturday with Crystal Pedraza. I will be on site to answer your financing questions. Stop on by and see what this home has to offer. We will be there from 1 PM to 3 PM. See you there! 

07/20/2026

07/12/2026

🏡 Open House Tomorrow

You’re invited to join us for an open house and tour this beautiful home! Whether you’re actively searching for a home or just beginning the buying process, we’d be happy to answer your questions and discuss your financing options.

We look forward to welcoming you and helping you take the next step toward homeownership.

🎉🤩OPEN HOUSE WEEKEND! 🎉🤩
Mark your calendars! 📆 🗣️
I’ll be hosting an Open House this
Sunday, July 12, 2026!

Come buy & take a look at this STUNNING 🤩New Construction 🚜 Home🏡 in Harlingen!!

Lender will be on site to answer all if your financing questions! 💰

📍1209 Thacker Lane, Harlingen, TX
📅 Sunday, July 12, 2026
⏰ 2-4pm

I hope to see you there!

Let US guide you H❤️ME! 🏡🗝️🤝🏻

*Listing courtesy of Glenda Garcia*



Crystal Pedraza, Realtor Keller Williams Realty LRGV
956-367-1697
[email protected]

Joe Capetillo I Loan Officer| NMLS 2486943
956-245-9971 | [email protected]

07/07/2026

🚨🚨🚨

🎉🤩OPEN HOUSE WEEKEND! 🎉🤩
Mark your calendars! 📆 🗣️
I’ll be hosting an Open House this
Sunday, July 12, 2026!

Come buy & take a look at this STUNNING 🤩New Construction 🚜 Home🏡 in Harlingen!!

Lender will be on site to answer all if your financing questions! 💰

📍1209 Thacker Lane, Harlingen, TX
📅 Sunday, July 12, 2026
⏰ 2-4pm

I hope to see you there!

Let US guide you H❤️ME! 🏡🗝️🤝🏻

*Listing courtesy of Glenda Garcia*



Crystal Pedraza, Realtor Keller Williams Realty LRGV
956-367-1697
[email protected]

Joe Capetillo I Loan Officer| NMLS 2486943
956-245-9971 | [email protected]

06/30/2026

🏠 Buying a Home? It's More Than Just the Down Payment

One of the most common questions I hear is:

💬 "How much do I need for the down payment?"

While the down payment is important, it's only one piece of the puzzle.

Here are some of the costs that may be associated with purchasing a home:

💰 Down Payment
Your initial investment toward the home's purchase price. Depending on the loan program, this could be anywhere from 0% to several percent of the purchase price.

📋 Closing Costs
These are fees associated with obtaining your mortgage and transferring ownership of the property.

🔎 Appraisal Fee
The cost of determining the home's market value.

🏢 Title Fees
Title search, title insurance, and other fees related to transferring ownership.

🛡️ Homeowners Insurance
Your first year's premium is often collected at closing.

🏛️ Property Taxes
A portion of future property taxes may be collected upfront to establish your escrow account.

💵 Earnest Money Deposit
A good-faith deposit submitted when your offer is accepted. In most cases, this amount is credited back toward your closing costs or down payment.

🎁 Good News!
Many buyers don't pay all of these costs out of pocket. Depending on the loan program and contract negotiations, seller concessions, lender credits, gifts from eligible family members, or down payment assistance programs may help reduce the amount needed at closing.

Curious how much cash you'd actually need to buy a home? Send me a message and I'll provide a customized estimate based on your goals.

Joe Capetillo | Loan Officer | NMLS # 2486943
956-245-9971 | [email protected]

06/29/2026

🚨 Under Contract? Don't Let These 5 Mistakes Derail Your Home Purchase!

Once you're under contract, your financial picture should remain as stable as possible until closing day.

Here are 5 things you should NOT do before closing on your new home:

❌ Buy a Car
A new auto loan can increase your monthly debt, lower your purchasing power, and potentially affect your loan approval.

❌ Open New Credit Cards
Every new account can impact your credit score and increase your debt-to-income ratio (DTI), which lenders review throughout the loan process.

❌ Quit or Change Jobs
Lenders verify employment before closing. A job change could delay your loan or require additional documentation and review.

❌ Miss Any Payments
Late payments can lower your credit score and create new underwriting concerns, even if your loan has already been approved.

❌ Deposit Large Amounts of Cash
Mortgage guidelines require lenders to verify where funds come from. Large cash deposits may require documentation and can delay the process if they cannot be sourced.

💡 Many buyers don't realize that lenders may re-check credit, employment, and financial information before closing.

The safest approach? Talk to your lender before making any major financial decisions.

🏠 You've worked hard to get to this point—don't let a last-minute surprise keep you from the finish line!

06/26/2026

🏠 The Homebuying Process: Step by Step

Buying a home may seem overwhelming, but understanding the process can make it much less stressful.

Here's a simplified look at the typical homebuying timeline:

✅ 1. Pre-Approval
Meet with a lender to review your income, assets, credit, and loan options. This helps determine how much home you may qualify for before you start shopping.

🔍 2. House Hunting
Work with your Realtor to find the right home that fits your needs and budget.

📝 3. Under Contract
Once your offer is accepted, you'll sign a purchase contract and officially begin the mortgage process.

📄 4. Loan Processing
Your lender collects and reviews all required documentation, orders third-party services, and prepares your file for underwriting.

🏦 5. Underwriting
An underwriter reviews your income, assets, credit, employment, and property information to ensure the loan meets program guidelines. Additional documents may be requested during this stage.

🔎 6. Home Inspection
A licensed inspector evaluates the property's condition and identifies potential issues before closing.

📋 7. Appraisal
The lender orders an appraisal to determine the home's market value and ensure it supports the loan amount.

🎉 8. Clear to Close
The lender has received all required documentation and final approval has been issued.

🔑 9. Closing Day
Sign your final documents, receive the keys, and officially become a homeowner!

Most home purchases take about 30 days from contract to closing, though every transaction is unique.

Thinking about buying a home but not sure where to start? The first step is getting pre-approved.

Joe Capetillo | Loan Officer | NMLS # 2486943
956-245-9971 | [email protected]

06/25/2026

🏠 What Is DTI and Why Does It Matter?

One of the most important numbers in the mortgage process is something called your Debt-to-Income Ratio (DTI).

Simply put, DTI compares your monthly debt payments to your monthly income.

📊 Example:

Monthly Income: $5,000

Monthly Debts:
🚗 Car Payment: $500
💳 Credit Cards: $200
🎓 Student Loans: $100
🏠 New Mortgage Payment: $1,700

Total Monthly Debt: $2,500

DTI = 50%

Why is this important?

Your DTI helps lenders determine whether you can comfortably afford a new mortgage payment. Different loan programs have different DTI limits, and a lower DTI can improve your financing options.

💡 Many people assume they won't qualify because of their debt, but the only way to know is to review the numbers.

Thinking about buying a home? Let's calculate your DTI and explore your options.

Joe Capetillo | Loan Officer | NMLS # 2486943
956-245-9971 | [email protected]