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Get Approved

ALTERNATIVE
FINANCING SIMPLIFIED

Built for Mortgage Brokers

LOAN PROGRAMS

NON-QM POWERED BY COMMON SENSE

Resolve Your DTI Issues Today

A BETTER EXPERIENCE

THE SIMPLE PROCESS BROKERS ARE LOOKING FOR

TURNAROUND TIMES YOU CAN DEPEND ON

Scenario Review
12 Hours

Loan Setup
24 Hours

Underwriting
48 Hours

Condition Review
48 Hours

Docs
48 Hours

CASTOR SUCCESS STORIES

EMPOWERED BROKERS EQUAL HAPPY CLIENTS

Happy Retired Couple

John & Cindy

Loan: $750,000 Purchase

Scenario: Retired couple could not attain financing due to their lack of employment.

John and his wife Cindy, are both retired and could not attain financing due to their lack of employment.  With $1.25M between them in retirement and stock accounts, they were concerned about paying cash for a home for $1,000,000.  Depleting most of their savings to be a “Cash Buyer” would only leave them $250,000 for retirement.

 

Castor Financial’s No Ratio Program allows applicants to customize loan terms that work for them if their assets equal or exceed the amount financed.

 

John and Cindy elected to put $250,000 down and finance $750,000, preserving $1,000,000 in investments that would produce a great return. Now they had peace of mind for their retirement, a mortgage payment that fit their budget, and a tax write-off to offset their annual retirement earnings.

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BROKER SUPPORT

HOW CASTOR SUPPORTS BROKER BUSINESS

Innovative Products

Our programs allow borrowers to combine income streams, including

bank deposits and asset depletion calculated, with no minimum asset requirement for depletion. This empowers borrowers to qualify even if traditional W-2 income falls short.

 

Plus, with the option for interest-only payments and extended 40-year terms, Castor unlocks financial possibilities for a wider range of borrowers.

Simple Process

In just three easy steps, you can get your loans moving forward: simply upload the necessary files, review the application, reissue credit, and let Castor handle the rest.

 

No need to run an income check – our innovative process takes care of that. Castor's dedicated team will even rework loans after submission to ensure everything is optimized, keeping you focused on closing deals.

Exclusive Tools

Our innovative eligibility tool simplifies scenario assessment, calculating business bank statement income and asset depletion calculation.

 

Our pricing tool allows brokers to instantly price loan scenarios with various configurations. Enabling brokers to effortlessly showcase different loan options and empower informed decisions with their borrowers.

Concierge Service

That's why we offer dedicated support that goes beyond the typical account executive support. Submit loans with confidence – our team will meticulously review your submissions and we'll take a proactive approach, working alongside you to rework scenarios to increase their chances of passing underwriting.

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