Question 1

What types of home loans do you offer?

Accepted Answer

As an independent mortgage broker, we have access to a wide range of loan programs through multiple wholesale lenders. Common options include conventional, FHA, VA, jumbo, reverse mortgages, bank statement loans, home equity loans and lines of credit, down payment assistance programs, and other non-QM options.

If a specific situation falls outside our scope, we’re always transparent and happy to help connect you with the right resource.

Question 2

Why work with an independent mortgage broker instead of a bank?

Accepted Answer

Banks can only offer their own loan products. As an independent mortgage broker, we’re able to evaluate loan options across multiple lenders using one coordinated process.

The difference isn’t just access — it’s guidance. We help you compare options, explain tradeoffs, coordinate with your real estate team, and remain a resource long after closing. Our role is to advise you, not sell a single lender’s product.

Question 3

How are you compensated?

Accepted Answer

In most cases, our compensation is paid by the lender when your loan closes and is built into the loan terms you review. This means there’s typically no separate out-of-pocket fee for our guidance and coordination.

We believe in transparency and will always explain how compensation works as part of reviewing your options.

Question 4

What does your loan process look like?

Accepted Answer

Our process is designed to be clear and guided from start to finish. It begins with a conversation to understand your goals, followed by reviewing documentation, evaluating loan options, and coordinating underwriting and closing.

Throughout the process, we act as your point of contact and explain each step so nothing feels confusing or rushed.

Question 5

Do you work with first-time homebuyers?

Accepted Answer

Yes. We work with many first-time buyers and understand how unfamiliar and competitive the process can feel. Our approach is focused on education, preparation, and helping you understand your options so you can move forward with confidence.

Question 6

Do you offer reverse mortgages?

Accepted Answer

Yes. Reverse mortgages can be a useful planning tool for some homeowners age 62 and older when evaluated thoughtfully. We help seniors and their families understand how these loans work and whether they make sense given their goals and circumstances.

Question 7

Where are you licensed to work?

Accepted Answer

We’re based in Ventura, California and are licensed to work with buyers and homeowners throughout the state. While many of our clients are in Ventura and Los Angeles County, we work with clients across California.

Ventura & Los Angeles County’s Independent Mortgage Advisors

Helping you make informed mortgage decisions.

How We Can Help

Purchase

Refinance

Reverse Mortgage

How We Work

We believe good mortgage advice starts with clarity and preparation. Our role is to guide you through your options, explain tradeoffs, and help you make decisions that fit both your current situation and long-term goals.

Clear, competitive options

We compare loan options across multiple wholesale lenders so you can see how different loan structures and pricing actually compare.

Thoughtful loan strategy

Every recommendation is based on your goals, timeline, and financial picture -- not a one-size-fits-all approach.

A guided, coordinated process

One application, one point of contact, and a process that's clearly explained from start to finish.

Access to multiple lenders

As an independent mortgage broker, we're not limited to a single bank's products.

Transparency at every step

We explain the numbers and tradeoffs so you can make informed decisions without pressure.

Long-term relationships

Many of our clients return years later or refer friends and family because they value clear guidance and consistency.

Have questions about your options?

Ready to explore your options?

Castle Funding Corp.