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LONG ISLAND

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LONG ISLAND

Home Purchase

Make Your Dream Home a Reality.
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Redefining the Home Purchasing Experience

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Lifetime Guarantee

CasaPrestamos Provides stable and secure low-rate Jumbo mortgage programs, allowing borrowers to access higher loan amounts.

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Working For You

Our lending officers adhere to a strict no-steering policy and are not incentivized to favor one loan over another.

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Mortgage Expertise

As a state-licensed leader in the industry, casaPrestamos has provided over $100 M in funding since 2010.

Why fund Your Home Purchase with CasaPrestamos?

Exceptional customer service

Quality, competitive loan options

Licensed in all 50 states

Tech-enabled lending platform

Has your credit rating improved?

Connect with a CasaPrestamos  Officer now at (631) 306-6821

Make Purchasing a Breeze

Talk to our Licensed Lending Officers

With over 1,700 lending officers nationwide, our strict no-steering policy ensures you receive expert guidance to find the best loan for your goals—not what benefits the lender

Define Your Goals

Set your budget and create a list of “Needs” and “Wants” to guide you in finding your dream home.

Choose the Loan that's Right for You!

Select from fixed or adjustable-rate terms, jumbo loans, or government loans—we have the right option for you.

Get Approved for the Loan You Want

Your licensed lending officer will coordinate with all necessary parties to ensure your loan is submitted for underwriting approval.

Submit Your Documents

Some of the documents you may need to provide include pay stubs, mortgage statements, and a two-year employment history.

Close Your Loan

Once approved, we will arrange your loan closing appointment at a time that works best for you.

Mortgage Estimate

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Have questions?

Give us a call at (888) 983-3240

* Monthly payments only include principal and interest and are not an offer to lend. Tax, insurance, and other fees may apply

Get the loan that's right for you

Adjustable Rate

If you plan on staying in your home short-term or would like lower payments, an ARM loan program might be right for you

Fixed Rate

A traditional, fixed-rate mortgage is our most popular program for refinancing or a new home purchase

VA

We are authorized to offer special loan programs that are guaranteed by the VA for active military and veterans that are not available to the general public

FHA

Qualify with ease with as little as 3.5% down; originally for first-time buyers, FHA programs are now open to wider audiences

Purchasing your dream home has never been easier

Our home loan experts can arm you with helpful mortgage information plus other valuable resources to help make buying your home quick and easy!
We are a direct lender

We control the entire mortgage process, enabling us to deliver low home loan rates and closings up to 50% faster than the industry average.

Get the right loan for you..not us

We have a strict no steering policy, assuring that you get the right loan for your current, and future, needs. Choices include FHA, VA, Jumbo, ARM and fixed mortgage programs.

Mortgage Expertise

We are recognized pioneers in our industry and our licensed loan officers are state licensed in accordance with the federal government's S.A.F.E. Act.

Common Purchase Questions

Do I need a home inspection?
Although a home inspection is not required, it is a good idea to obtain the services of a professional qualified inspector to help you determine the condition of the home you are looking to purchase. A professional inspector will look for any structural issues as well as mechanical problems that may exist in the home that could cause problems in the future. In addition to a structural review, an inspector will also check faucets, toilets, appliances, and other items in the home to make sure everything is in working order. If something needs to be addressed, you can address them with the seller prior to closing.
How do I know how much I can afford?
There are several factors that determine the home loan amount and purchase price that you can afford. For qualification purposes, lenders look at income, debt, assets (how much money you have for the down payment, closing fees, points, and other funds necessary to close your home loan), as well as credit. There are many different loan programs that offer different terms and rates, and some require lower down payments than others and offer more flexibility in credit and income. The best thing to do is use a mortgage affordability calculator to find out what your payments would be and determine what purchase price and loan amount is comfortable for you.
How long is the home purchase process?
A typical escrow period is 30, 45, or 60 days. The escrow period, defined on the purchase contract and agreed upon by both buyer and seller, is usually what dictates when your loan closes. If you have already entered escrow and are closing in less than 30 days, we can still close your loan on time if we are brought into the loop as soon as possible. We have closed home loans in as little as 7 days!
How much money do I need to buy a home?

Traditional conventional financing requires a down payment of 10 to 20% of the purchase price of the home; however, there are other home loan programs available such as our FHA program that allows you to buy a home with as little as 3.5% down. In addition to the down payment, you should be aware that there are other fees associated with purchasing a home. For example, there are closing fees, pre-paid interest, and prorated items such as property taxes and homeowner's insurance. Call and speak with one of our home buying specialists to get a better idea of what you can expect.

Get started online or call (888) 983-3240 to talk to a licensed lending officer

What type of documentation do I need for a purchase loan?

Standard documentation collected for a purchase transaction includes information regarding your income such as paystubs covering the most recent 30 days and W-2s for the last two years, asset information such as bank or mutual fund stock statements covering the last 60 days showing source of funds for your down payment, closing fees, points, pre-paid items, and other funds needed to close your home loan. For a more detailed list of items, please take a look at our purchase document checklist.

See all Common Purchase Questions
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Lifetime Guarantee

loanDepot Lifetime Guarantee ("Guarantee") — Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, and down payment assistance programs. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. The Guarantee may only be used by submitting an application directly to loanDepot.

For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan. loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. For future loans meeting the above requirements and which are successfully closed, no lender fee will be charged. “Lender fee” does not include discount points associated with the loan transaction. Terms and conditions are subject to change without notice.

Future applicants must contact loanDepot directly via the website: www.casaprestamos.com/lifetime-guarantee or via telephone (877) 395-7381 to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Disclaimers

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Refinance disclosure - By refinancing the existing loan, the total finance charges may be higher over the life of the loan.

MLB disclaimer - MLB trademarks and copyrights are used with permission of Major League Baseball. Visit MLB.com. Any other marks used herein are trademarks of their respective owners.

TX Consumer Complaint Disclosure

TX Consumer Complaint Disclosure

IL Community Reinvestment Act Notice

IL Community Reinvestment Act Notice

TX Servicing Disclosure

TX Servicing Disclosure

NY Servicing Disclosure

Rate Assumptions
Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

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