About Waldy Castro
**As a Producing Branch Manager, I have over 20 years of experience in the mortgage industry. I have successfully helped hundreds of clients secure financing for their dream homes, investment properties, and refinancing needs.**
**My expertise lies in guiding clients through the loan application process, analyzing their financial situation to determine the best loan options, and providing personalized recommendations tailored to their specific needs and goals. I have a deep understanding of various loan programs, interest rates, and market trends, allowing me to help clients make informed decisions that align with their financial objectives.**
**I have built strong relationships with lenders, real estate agents, and other professionals in the industry, which enables me to streamline the loan approval process and ensure a smooth and efficient closing for my clients. I am committed to providing exceptional customer service, transparency, and clear communication throughout the entire loan process, earning the trust and loyalty of my clients.**
**Overall, my experience has equipped me with the skills, knowledge, and dedication needed to help you navigate the complex world of mortgage financing and achieve your homeownership goals!**
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.550% | 6.862% | 0.974 ($3409.00) | $2223.76 |
| 15-year fixed | 5.500% | 5.978% | 0.952 ($3332.00) | $2859.79 |
| FHA loan | 6.000% | 7.042% | 0.98 ($2991.45) | $1966.87 |
| VA loans | 5.990% | 6.500% | 0.886 ($3620.20) | $2447.14 |
| Jumbo loans | 6.125% | 6.375% | 0.905 ($8145.00) | $5468.49 |
* Rates current as of 4/6/2025 12:18 am, provided by Waldy Castro, for Orange County, FL, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 8803 Futures Drive, Suite 4 - 101 Orlando FL, 32819
