Frequently Asked Questions (FAQ)

We understand that the loan process can be overwhelming, but rest assured that you are in good hands with Simone Castello. We are here to guide you every step of the way and answer any questions you may have!

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Borrowers need more options, transparency, and ways to get a mortgage. That’s where Simone Castello MLO comes in.

It depends on your income, debts, and available cash for down payment and closing costs.

When shopping for a mortgage, the first lender inquiry may lower your score, but multiple inquiries within a short time won’t. Lenders will require an explanation for multiple inquiries to ensure you didn’t take out multiple mortgages.

To prove your income, you’ll need:

  • Social Security and pension statements (if retired)
  • W2s for the last 2 years and 30 days’ pay stubs (if employed)
  • Last 2 years of business tax returns and a profit and loss statement (if self-employed)
  • Last 60 days of bank statements for all accounts (checking, savings, retirement, etc.)
  • You’ll also need a copy of your driver’s license/state ID and your Social Security card.

The daily rate is subject to change and depends on the current market at the time of inquiry if not locked.

Simone Castello MLO (NMLS: 2181703)

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