Your Credit Score Counts

CastleRock offer the opportunity to work with a team of experienced Mortgage Credit Specialists who can provide a financial education to empower you to manage your credit. These credit specialists work closely with your Loan Officer to help you to understand the connection between your financial decisions, credit score, loan qualification and interest rate. An improved credit score not only results in a better interest rate on your home loan and saves you money on your mortgage payment, but it can also result in savings on your other loans and debt, including credit cards, auto loans and homeowners insurance.

We'll start by assigning to you a personal Mortgage Credit Specialist who will be your point of contact throughout the program. The specialist will contact you to learn more about your long term financial goals, review your current financial and credit situation and create a customized plan designed to improve your financial "health" and realize your financial objectives. Finding the right financial advice is as important as choosing the perfect new home design.

We have created many different homes for many different families, each of them unique. Explore our photo gallery to discover new ideas and inspiration for your own CastleRock Home.

Finalize Your Mortgage

Step 1: Application
To get the process started, the first step is completing the loan application and providing the documentation listed under our application checklist. Once obtained, the loan officer will analyze the application, your credit report, income, and assets to determine the best mortgage product pertaining to you specific needs as a borrower.

Step 2: Disclosure
Once the mortgage product has been determined, your loan officer will provide you with all of the necessary disclosures they are required to present to you, inclusive of a Good Faith Estimate and Truth- in-Lending among others. Additionally, any documentation not provided at the time of the loan application that is a requirement of the mortgage process will be requested again. It is very important to return these as well as any other documents requested during the process as timely as possible.

Step 3: Processing
Upon receipt of the requested documentation and the disclosures, the loan is moved forward in the process to the individual Processor. The Processor will prepare the loan for presentation to the Underwriter for Loan Approval. As part of the preparation the Processor will validate all calculations and documentation, as well as order the appraisal and title work for the property.

Step 4:Underwriting
The Underwriter is responsible for reviewing and validating that all of the loan documentation (ie. income, assets, appraisal, etc.) adheres to the lending guidelines applicable to the loan product as well as any State and Federal requirements. Upon satisfactory completion of the review, the loan is issued a Conditional Loan Approval by the Underwriter. It is common for the Underwriter to ask for additional supporting documentation, referred to as an Underwriting Condition. All Underwriting Conditions would be requested from the borrower and presented back to the Underwriter. Upon satisfactory review of the Underwriting Conditions, the loan is issued a CTC or “Clear to Close”.

Step 5: Closing
At this point in the process your loan is Clear to Close prompting the lender to prepare and send your closing documents to the Title Company. It is at the Title Company where you will execute your closing documents at an agreed upon time between yourself, the builder, and the Title Company. Upon completing the execution of your closing documents, the lender will fund your mortgage transaction completing the process of what started as a dream and now is a reality. You are a CastleRock homeowner! For more information about this process please contact one of our preferred lenders.

Preferred Lenders

Texas Capital Lending

Buying a new home should be a joyful experience, not a stressful one. We work hand in hand with your Castlerock Communities Representative to establish a smooth, stress-free process from application to closing, ensuring your dream of home ownership becomes a reality. Not only will you get the competitive financing you are looking for, but you will also get the service and individual attention that you deserve.

Our highly-skilled Loan Officers will work closely with you to determine the best financing option for your specific situation. They will guide you through the entire process, from initial application until the closing of your new or custom home. You will find they are dedicated to processing your loan quickly and efficiently to move you into your new home.

We take the time to learn about you and your individual needs. We translate that information into the mortgage program that is best-suited for you and your family. Together, we have helped thousands of families make the move into a new home.

Jill Thompson | Loan Originator |  281-371-8555 |  NMLS 205146 |  Branch NMLS 312440
Texas Capital Lending 8945 South Fry Rd. Suite F Katy, TX 77494

Ivan Pastor | Loan Originator | NMLS 206772 |  Branch NMLS 312440
Texas Capital Lending 8945 South Fry Rd. Suite F Katy, TX 77494

Deanna Erskine | Loan Originator | NMLS 201491 |  Branch NMLS 312440
Texas Capital Lending 8945 South Fry Rd. Suite F Katy, TX 77494 

CornerStone Home Lending Inc.

With branches across the nation, and in Texas, San Antonio, Houston and Austin, Cornerstone Home Lending Inc. is an accomplished, full-service mortgage banker founded in 1988 on the principles of lending with excellence, integrity, and distinction. Cornerstone has experienced steady growth and is currently ranked as the 7th largest independent mortgage company in the nation.

Megan Teel | Loan Officer |  713-744-1262 |  NMLS 323765 | Branch NMLS 281009
13105 Northwest Freeway, Suite 200 Houston, Texas 77040
Houston Loan Officer Megan Teel has channeled her passion for helping people into a successful career in the residential mortgage industry. She builds lasting relationships, and continuously works for her clients' best interests long after their home-financing transaction. A native Texan, Megan graduated from Mays Business School at Texas A&M University with a Bachelor's in Business Administration Finance.
 
Anastasia Hitzfelder | Loan Officer |  210-428-6069 |  NMLS 309593 | Branch NMLS 281018
3619 Paesanos Parkway Ste. 300 San Antonio, TX  78231
Austin-San Antonio Loan Officer Anastasia Hitzfelder has channeled her passion for helping people into a successful career in the residential mortgage industry. With great dedication, she remains committed to each of her customers in every step of the mortgage process. After growing up in Texas, Anastasia graduated with a Bachelor's in Business Administration from Mays Business School at Texas A&M University.
Cornerstone Home Lending Inc. is an equal housing opportunity company.

Homeowners Insurance

Before you can close and move into your new home, your mortgage company will require you to obtain a Homeowners Insurance Policy to be in effect for closing. If you are already using our affiliate, Firemark Insurance, then your insurance process will be seamless and nothing more is required. If not, you will need to contact an insurance agent (State Farm, Allstate, Farmers or your personal agent, etc.) at least two (2) weeks prior to your closing date, so they can prepare a policy for you. Your agent will need to speak with your Sales Consultant for details to prepare your policy. The agent will then write the policy and deliver it to the Title Company, where it will be paid for from your closing funds. You may pre-pay the policy to the agent directly, if you choose this method, you must then take receipt of the policy as well as the policy to closing so coverage can be verified. You will find that having it delivered to the Title Company and paying for it at closing is easier and the recommended method.