Castle Funding Corp.

This is why I love my job!! It was such a pleasure helping this family relocate from out of state. nabbed them their dream home and Ventura gained another awesome family.

The world of mortgages CAN feel very confusing and overwhelming, but it doesn't have to be. I'm here to help you understand your options, make decisions that align with your goals, and give you the resources to make big moves in your life.

Alyssa Soles
Castle Funding Corp.
www.castle-funding.com

Ventura County Mortgage Broker

Ready to buy your first home? Join us at Ventura Coast Brewing Co. on Thursday, Aug. 1 at 5:45pm for a one-hour homebuyer workshop.

Our goal is to teach you HOW to buy a house so you can decide if and when you’re “ready.” Don’t miss this chance to get insider tips, ask questions, and take that first step towards homeownership 🏠

➡️ REGISTER HERE:
https://www.eventbrite.com/e/sip-n-learn-how-to-buy-your-first-house-tickets-951093214407

Alyssa Soles
Castle Funding Corp.
NMLS #2392292mortgage

Tracey Hoffman
Resource Real Estate
DRE # 02053670

Here are 10 effective ways to get a lower mortgage rate on your home purchase or refinance: https://www.castle-funding.com/post/10-ways-to-get-a-lower-mortgage-rate

10 Ways To Get a Lower Mortgage Rate Getting a lower mortgage interest rate can lead to significant savings over the duration of your loan. Learn 10 tips here.

This family will only be paying 3.625% interest on their mortgage next year.

They fell in love with this home and like everyone right now, they were concerned about their monthly payment at current rates. But instead of waiting until rates drop and then entering the market with everyone else, they decided to get in now while they still had some negotiating power. It was the perfect situation to use a temporary buydown, in this case a 3-2-1 Buydown where their rate will be 3% less the first year, 2% less the second year, and 1% less the third year.

Check out how much they are saving on their mortgage over the next 3 years:
- Year 1: $1308/month
- Year 2: $895/month
- Year 3: $459/month

The only trick with these temporary buydowns is they need to be seller paid. On a $710k loan, this required a seller credit of $32k, which the seller granted them in exchange for a slightly higher purchase price. The higher purchase price only added a few hundred dollars to their overall mortgage, but the drop in interest rate saved them far more than that so it was a worthwhile trade!

Of course there are no guarantees, but odds are very high that they'll be able to refinance into a permanently lower rate before they ever return to that 6.625% note rate in Year 4. These temporary buydowns are more cost effective than permanent rate buydowns and simply buy you some time until rates come down again.

Affordability is on everyone's mind right now, but there are solutions! We are happy to chat anytime you have questions.


Mortgage broker in Ventura, Mortgage Broker in LA

🇺🇸VA loan closed in Culver City!

I’m over the moon for our clients and their kids who now get to call this home. They had originally planned to sell their condo first and buy later, but this house snuck up on them one Saturday afternoon as the great ones tend to do!

We quickly needed to figure out the best way to structure their VA loan yet still make a competitive offer despite not yet having their anticipated proceeds from their sale. Their realtor did an amazing job negotiating and we had the loan done in 12 days so they could close early and move in immediately - onto their next adventure!

Everything came together so smoothly but not without a ton of proactive planning, communication, and teamwork. I work in partnership with my dad Bob and our loan processor Dawn, so you are really getting 3 of us (all perfectionists by nature) behind-the-scenes working on your behalf and anticipating every curve in the road. I heard recently buying/selling a home is ranked the third most stressful life event, after death and divorce - we make it our mission to minimize that stress so you can be excited about your new home!

If you are planning for your next move, please reach out! 📧 [email protected], DM, or visit or website at www.castle-funding.com


Ventura County Mortgage Broker
Los angeles mortgage broker
Get preapproved in ventura

When an experienced homebuyer describes the loan process as “super smooth” you know you and your team knocked it out of the park.

As important as great service is though, we also need to deliver on rate. We do this by charging less than our local competition and partnering with aggressively priced wholesale lenders to bring you the best possible terms on your home loan.

Alyssa Soles
Ventura County Mortgage Broker
NMLS 2392292 DRE 02200456
Castle Funding Corp.
www.castle-funding.com


Mortgage broker in Ventura
Get preapproved in Ventura
Ventura County Loans

What to do if your appraisal comes in low when purchasing a home https://wix.to/4iEFSWN

What If Your Home Appraisal Comes in Low? What if our home appraises low? A low appraisal is a situation that buyers unfortunately have to deal with from time to time, and while it may add an extra layer to navigate during the homebuying process, it doesn’t mean you have to panic. Here are three moves buyers could make to navigate this tr...

Everybody loves unsolicited advice, right?

But seriously, if you haven't bought a home and would like to change that one day, it is worth a read.

Advice for First-Time Homebuyers I remember my first time like it was yesterday. What if we're not ready? Should we keep saving? How do we get started? I had so many questions and it all felt so overwhelming. I honestly think we would have continued to rent for years longer, had we not found the support we did when we did. Everythi...

As we ran through the numbers of what it would look like to purchase this Historic-Cultural Monument in the hills of Brentwood, he said, “What I’m really investing in is sipping my coffee on that deck every morning until the day I die. That and preserving this thing are what really matter.”

A good reminder that a home is not just a financial investment—it is so much more.

Closed 1/5/24
Jumbo Loan
20% down payment

Alyssa Soles
Your California Mortgage Broker
Castle Funding Corp.
www.castle-funding.com
[email protected]
Helping you finance your home with confidence.


Mortgage broker in Los Angeles
Mortgage broker in Ventura

Wishing you the warmest, happiest holidays with the ones you love!
xoxo Alyssa

Were you surprised by the average down payment sizes???



Alyssa Soles
Your California Mortgage Broker
NMLS 2392292 DRE 02200456
Castle Funding Corp.
www.castle-funding.com

It would be a lie to say this process is ever completely stress-free. Purchasing a new home while balancing jobs, a family, planning renovations…it can become a lot.

But I do believe that with the right team advocating for you, it can feel a lot less overwhelming.

I’m committed to providing more than just a home loan with a great rate to my clients; it’s about feeling supported and confident as you make some of the biggest financial decisions of your life.

Congrats to this wonderful family who will be in their new home right in time for the holidays!

Alyssa Soles
Your California Mortgage Broker
NMLS 2392292 DRE 02200456
Castle Funding Corp.
[email protected]

I believe financing your home should be a transparent and straightforward experience, designed to make your life easier.



Home Loans in Ventura
Home Loans in LA
Get preapproved in Ventura
Get preapproved in LA
Mortgage broker in Ventura
Mortgage broker in LA

We're all sick of hearing the phrase, "Date the rate, marry the house," but the fact remains: Anyone who has purchased a home recently with higher interest rates is banking on the fact that they can refinance when rates drop. But what does it actually mean to refinance your mortgage? Is it really that simple?

Read on to learn how refinancing your mortgage works and how to know when its the right time.

Refinancing Your Mortgage: What It Is and How It Works A home refinance, often abbreviated as a "refi," is when you replace your existing mortgage with a new one, either with your current lender or a new financial institution. Refinancing your mortgage is a strategic move that can have various benefits, depending on your unique circumstances and financi...

Just wrapped up a reverse mortgage and wanted to share this client's story because I know reverse mortgages aren't for everybody, but they can be really life changing for the right people.

This woman and her husband worked their whole lives to pay off their mortgage, but she's been struggling with some debt since his passing. The last thing she wanted was to sell her home and have to start over in her 80's.

Thanks to this reverse mortgage she won't have to-she had plenty of equity to pay off her debts and secure a line of credit to live off of moving forward. Unlike a home equity loan, she doesn't have to make payments on this reverse mortgage loan (she will continue to pay her tax, insurance, and maintenance costs.)

Her son was there with us on every phone call and email along the way. This was a massive relief for him to know she'll be secure in her home and he won’t be inheriting a debt, since these are non-recourse loans.

If you find yourself or your parents in a position where you want to have a discussion about how reverse mortgages work, don't hesitate to reach out. They really have the potential to provide the right senior homeowners (age 62+) with some financial relief and a new perspective on retirement.

Alyssa Soles
Ventura County Mortgage Broker
NMLS 2392292 DRE 02200456
Castle Funding Corp.
www.castle-funding.com

We get asked all the time - why would I need a mortgage broker when I can just walk into my bank to get a home loan?

While it might seem convenient to approach your bank for a home loan, opting for an independent mortgage broker can offer significant advantages in terms of savings and service. Read the article to learn more so you can find the best home loan for your financial situation.

Benefits of A Mortgage Broker It might seem simple to walk into your bank and ask for a home loan, but there are some key advantages to working with a mortgage broker instead. Read this article to learn the benefits of working with a mortgage broker when purchasing or refinancing your home.

Your home is not just a place to live; it's also your largest financial asset. The good news is, you can leverage it to your advantage. Check out this post to explore various ways to tap into your home equity based on your unique needs and financial goals.

How to Tap Into Your Home Equity Your home is not just a place to hang your hat; it's also your largest financial asset. The good news is, you can leverage it to your advantage. In this post, we'll explore various ways to tap into your home equity based on your unique needs and financial goals.

As you or your aging parents navigate retirement, it's important to explore financial tools that can provide comfort and security. One such tool might be a reverse mortgage.

Here's what a reverse mortgage can do for you:
✔️ Eliminate monthly mortgage payments*
✔️ Allow you to stay in your home
✔️ Access tax-free cash** via lump sum, recurring deposits, or a line of credit
✔️ Avoid leaving a debt to your heirs

Read the blog post to find out more about retirement planning with reverse mortgages.

*Borrower continues to pay tax, insurance, HOA, & maintenance costs.
**Loan proceeds are paid tax-free. Consult your tax advisor.

Retirement Planning With Reverse Mortgages Reverse mortgages can be a powerful financial tool for many seniors in their retirement planning. Learn more about how you or your loved ones can tap into your home's equity with a reverse mortgage to improve retirement outcomes.

Small town friendliness is my vibe! Thank you Loni for the kind words and for coining my new tagline!

The mortgage process doesn’t have to be intimidating or complicated. From customized videos breaking down every line on your loan estimate to my 24/7 availability to clients under contract (even during the occasional family wedding), I’m here for you.

My #1 goal is to make sure you feel confident and cared for throughout the home loan process.

We are so grateful for the support of our wonderful clients and friends all these years. You guys are the best!

If you have worked with us in the past, could you kindly take a moment to leave a review about your experience working with us? Your reviews help support our small business more than you know.

With gratitude,
Bob and Alyssa

Review us on Google Post a review to our profile on Google

I am many things, but being a mom is by far my favorite of them all!

A LITTLE PERSPECTIVE ON THESE VOLATILE RATES 💭

Whenever interest rates increase, would-be buyers decide to pause and wait. Understandably so! High interest rates mean you can afford less.

However, when rates do come back down, these buyers will flood the market, increasing competition again. We are already struggling with low inventory as it is, and the added competition will drive home prices up.

MY POINT IS: If the right home appears and you qualify for the payment, just know you will always have the opportunity to refinance when rates drop. What you want have the opportunity to do again is to get THAT house at THAT price.

Instead of timing the market, focus on time IN the market.

Click the link in bio to set up a strategy call with me so we can get you set up for success when the time is right for YOU.

This quote speaks to me. The sooner you start to apply it, the faster the magic starts to happen. ✨

Planning ahead will lessen anxiety, increase confidence, and help you put your best foot forward. It will put you in the position to actually take ACTION when the right opportunity presents itself.

How can you best prepare to buy your first home or investment property?
⚡️Assess your goals, both long term and short-term
⚡️Get your documents in order
⚡️Talk to a mortgage professional to learn about your options and help you set a budget

MAKE YOUR OWN LUCK 🍀

Setting up a consult with me is easy - just use the link in bio or DM me directly.

I’m stoked to be able to offer a First-Time Homebuyer Seminar with my friend at in Ventura on Feb. 1st at 6pm.

These events are the BEST way for young buyers to get clarity and gain confidence to start the homebuying process, all in a comfortable environment surrounded by peers in a similar stage of life. There will be no sales pitches - just sharing info, encouragement, and connection!

📩Please SHARE to a VC local who hopes to buy a home this year! They’ve got nothing to lose but quite a bit to gain from attending, including a copy of our Homebuyers Kickstart Guide and maybe even a few new friends!

👇Click link below to reserve your spot!!!
https://www.eventbrite.com/e/first-time-home-buyer-seminar-tickets-513332971737

👉Follow on Instagram: .mortgage

Buying your first home can be intimidating! There are so many unknowns and it can be overwhelming to figure out how and when to start the process.

These are some of the most common questions I hear from first-time homebuyers.

What questions do you want answered? Leave them in the comments below!

Hi 👋 I’m Alyssa and this is my dad, Bob, broker/owner of Castle Funding. We sometimes get caught wearing the same jacket to New Years parties (who wore it better tho???) and we ALWAYS work hard to give our clients exceptional service and minimize the stress that comes along with the homebuying process.

With us there is no pressure or sales gimmicks; our primary goal is to help get you into your home feeling confident in your investment and cared for by our team!

We would love to work with you this year or simply be here to answer your questions. Don’t hesitate to reach out.

Cheers to a great year ✨

Alyssa Soles
Castle Funding Corp.
———————————————
📞(818)874-9999
📧 [email protected]
🌐 www.castle-funding.com

Castle Funding Corp. Mortgage Broker • 35+ yrs in Business
Purchase • Refinance • Reverse Mortgage
📍Ventura, CA

Don’t over complicate it! Save as much as you can, do your research, and get organized.

For most clients, this is all you need to do to ensure you’ll be closing on a home this year!

Home is where the 🐾 is.

This is Lee. He’ll be assisting with your pre-approval and snuggling needs all holiday season. 🎄

Give *us* a call when you’re ready to chat about finding a new home for you and your furry friends.

Alyssa Soles
Castle Funding Corp.
———————————————
📞(818)874-9999
📧 [email protected]
🌐 www.castle-funding.com

SAVE THIS POST FOR LATER 👉
Between home prices and interest rates, you may be worried you won’t be able to afford the home you had once hoped for. Here are some ways you may be able to widen your budget to afford more house, if that is what feels right for you.

Reach out if you want to find out what you can afford or are ready to get pre-approved!