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THE NEW HOME JOURNEY

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Determine Your Affordability

Determine your price range and learn about your financing options. Our Mortgage Preferred Lenders can prequalify you for a loan to give you a more accurate idea of how much you can borrow. The lender will ask you a few questions about your income, credit profile, and debt, to give you an estimate of what you can borrow based on those details.

Pre-qualify Today

Take the first step by getting prequalified. Once you find the right home, getting the right mortgage is the next important decision you will make in the home buying process, and it is usually fairly simple. You supply the lender with your overall financial picture, including your debt, income, and assets. After evaluating this information, the lender can give you an idea of how much you can borrow.

Mortgage Calculator

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Your Credit Score Counts

CastleRock offers the opportunity to work with a team of experienced Mortgage Credit Specialists. These credit specialists can provide financial education to empower you to manage your credit and work closely with your Loan Officer to help you to understand the connection between your financial decisions, credit score, loan qualification, and interest rate.

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Your Credit Score Counts

CastleRock offers the opportunity to work with a team of experienced Mortgage Credit Specialists who can provide 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.

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Select your CastleRock Community

One of the most important decisions you will make is where you want to live. CastleRock offers homes within numerous neighborhoods that will have a variety of characteristics to fit your lifestyle and personality. Explore the possibilities on this website about the different amenities, schools, proximity to business hubs, retail, dining and entertainment, and more for each of our communities.

Select Floor Plans

Our homes are designed to create unique opportunities for our customers to satisfy their lifestyle needs. In a time of practicality, we continue to focus on pulling elements from cutting-edge designs around the globe. Variety of choice remains a key driver in our offering decisions in both our home plans and communities. Our largest design offering stretches through multiple market segments attracting attention from first-time buyers through move-up purchasers who are looking for flair, fashion, and energy efficiency. We place heavy emphasis on creating unique elevations that set the expectation for the creative use of space. Luxury living constructed to stand the test of time. Search for your new home on this website and explore our wildly popular floor plan offerings.

Sign Your Purchase Agreement

Once you have found the home that fits your wants and needs, it is time to sign the purchase agreement. Your Sales Consultant will guide you through the process, the details of your purchase agreement, and the following steps.

Application Checklist

Paystubs: Copy of most recent 30-day period
Copy of last two years’ W-2's and/or 1099's
Tax Returns: Previous two years’ federal tax returns (all schedules)
Bank Statements: Copy of most recent two months’ statements for all checking, savings, CDs, and investment accounts (all pages)
Copy of Photo ID
Copy of Social Security Card

You may be required to submit additional documentation.

Finalize Your Mortgage

Financing a new home can be a smooth process when you know what to expect. We have identified, evaluated, and selected our Preferred Lenders that will walk you through the step-by-step process and make finding the right mortgage for your needs simpler and easier.

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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 your 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.

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Preferred Lenders & Insurance

Texas Capital

Whether you are buying your first home, moving up, or relocating, we are here to service your needs. At Texas Capital Lending, we strive to provide a personalized mortgage process, where you will not only know your loan officer’s name, but their face as well.

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.

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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 homeownership 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 the 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.

CornerStone Home Lending Inc.

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.

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Schedule your Design Gallery Appointment

One of the most exciting advantages of purchasing a new home is having the opportunity to personalize it to fit your own needs, style, and budget. Our experienced design experts will help you to find the design and finishes that will make your new CastleRock home unique and special to you.

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