Joe the Mortgage Pro, Loan Officer - Texas Coastal Mortgage

06/15/2026

Did You Know? You May Be Able to Buy a Home with $0 Down Using a USDA Loan!

Many homebuyers are surprised to learn that a USDA loan offers 100% financing, meaning no down payment is required for qualified buyers.

Why do buyers love USDA loans?

✅ $0 Down Payment

✅ Competitive Interest Rates

✅ Flexible Credit Guidelines

✅ Low Monthly Mortgage Insurance Costs

✅ Available for Many Rural and Suburban Areas

Many communities qualify, including areas you might not expect.

If you've been putting off buying a home because you thought you needed a large down payment, a USDA loan could be the opportunity you've been waiting for.

🏠 Wondering if a property or area qualifies?

📲 Send me a message and I'll help you explore your options.

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

USDA • FHA • Conventional • VA

06/12/2026

FHA vs. Conventional Loans
Which Mortgage Option Is Right for You?

Buying a home is exciting, but choosing the right loan can make a big difference in your monthly payment and upfront costs.

The best loan isn't always the one with the lowest rate—it's the one that fits your financial situation and homeownership goals.

📞 Let's review your options and find the program that works best for you.

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

🏠 FHA • Conventional • USDA • VA

📲 Call or Text Today for a Free Homebuying Consultation

Apply Today and Find Out How Much Home You Can Afford!

06/10/2026

❓ When is a good time to see what I prequalify for?

✅ Right now.

Many people wait until they've found the perfect house before talking to a lender, but getting prequalified early can save you time, stress, and disappointment.

Here's why:

🏠 You'll know your budget before you start shopping.

💰 You'll get an estimate of your down payment and monthly payment.

📈 If there are any credit or income issues, you'll have time to improve them before you're ready to buy.

⚡ When you find the right home, you'll be ready to act quickly and make a stronger offer.

The best part? A prequalification is usually quick, and it gives you a roadmap to homeownership—even if you're not planning to buy for several months.

Don't wait until you're "ready." Find out where you stand today and make a plan for tomorrow.

📲 Contact me to get started!
Joe Capetillo | Loan Officer | NMLS # 2486943

956-245-9971 | [email protected]

04/30/2026

🏡✨ CLOSED & CELEBRATED ✨🏡

This one is extra special! Our clients walked into an open house just exploring… and walked out homeowners! 🙌

As first-time buyers, the process can feel overwhelming, but they trusted the journey, stayed committed, and today they officially closed on the home they fell in love with from day one.

Huge shoutout to an amazing realtor, Crystal Pedraza, for helping guide them every step of the way and making this experience smooth and successful! 👏

From that first showing to closing day, it’s been an incredible experience helping make their dream a reality.

Congratulations to these amazing new homeowners! 🔑🎉

Thinking about buying your first home? You never know… your dream home might be waiting for you at the next open house. 👀

04/25/2026

🏡 Open House Reminder – Happening Today! 🏡

Don’t miss your chance to tour this beautiful home! I’ll be co-hosting today and would love to see you there.

✨ Come explore the home
✨ Get your questions answered on the spot
✨ Learn about financing options available to you

Whether you’re just starting your home search or ready to make a move, stop by and say hello!

📍 Stop in, take a look, and imagine yourself at home.

Message me for details or directions — see you soon!

Open House this weekend folks!

Stop by a tour this beautiful new property in La Feria, TX.

I will be on site to answer your financing questions. See you out there!

Happy Friday!

04/24/2026

Open House this weekend folks!

Stop by a tour this beautiful new property in La Feria, TX.

I will be on site to answer your financing questions. See you out there!

Happy Friday!

03/28/2026

🚨 REMINDER: TRIPLE OPEN HOUSE THIS WEEKEND! 🚨

Don’t miss your chance to tour THREE amazing homes in one trip! 🏡🏡🏡

📍 Multiple Properties – One Convenient Stop
🗓 March 28th
⏰ 1-3pm

Whether you’re actively house hunting or just starting to explore your options, this is the perfect opportunity to compare homes, neighborhoods, and find the one that fits your lifestyle.

✨ What to expect:
• 3 beautiful homes to tour
• Different styles & price points
• On-site guidance for financing questions

Come by, say hello, and let’s find your next home!

03/21/2026

🚨🚨OPEN HOUSE TODAY🚨🚨

12-2 pm
9012 New Orleans Ct, Los Fresnos, TX

Join us this afternoon to tour this beautiful home! I will be onsite to answer all of your financing questions.

If you know anyone who has been thinking of relocating to the Los Fresnos area, send them our way!

Joe Capetillo | NMLS 2486943
956-245-9971

03/19/2026

🚨Open House in Los Fresnos Tx🚨

Join me this Saturday,

March 21st from 12:00 PM – 2:00 PM and tour this beautiful home located at

📍9012 New Orleans Ct, Los Fresnos, TX 78566

✨ 4 Bedrooms
✨ 3 Bathrooms
✨ 2,078 Sq Ft
✨ Open floor plan perfect for entertaining

Listed at $384,430 and a lender will be on site to answer any financing questions.

If you’re thinking about buying or just curious about the market, stop by and take a look!

📲 Joecelyn Recio, Realtor
📞 956-336-3231