I’m Kenya Castellon, a mortgage advisor who turns confusing loan paperwork into a clear, confident path to homeownership. Honest guidance, in English or Spanish, from pre-approval to keys in hand.
“Leave people better than you found them.”
In 2020, Kenya was a receptionist in a real estate office — watching families chase a dream that felt out of reach and knowing she could help them get there. She bet on herself, earned her license, and built a practice around one simple promise: leave every person better than she found them.
Today she guides first-time buyers, growing families, and a new generation of homeowners through the mortgage process with patience, transparency, and zero pressure. No jargon. No surprises. Just a trusted advisor in your corner — in English or Spanish.
Every buyer is different, so the financing should be too. Here are the programs I help clients navigate — we’ll find the one that fits your goals and your budget.
Low-down-payment options, down-payment assistance, and step-by-step coaching so your first purchase feels exciting — not overwhelming.
Competitive rates and flexible terms for buyers with steady credit — as little as 3% down for qualified first-time purchasers.
Government-backed financing with lower credit and down-payment requirements — a popular path for first-time and budget-conscious buyers.
Honoring those who served with $0-down options, no monthly mortgage insurance, and exceptional rates for veterans and active military.
Financing above conforming limits for San Diego’s higher-priced homes, with tailored structuring for premium properties.
Lower your rate, tap into equity, or shorten your term. I’ll run the numbers honestly and only recommend a refi if it truly serves you.
Move the sliders to explore your numbers. It’s a quick estimate — for a personalized quote, let’s talk.
Estimates exclude property taxes, homeowners insurance, HOA dues, and mortgage insurance. Actual rates and terms depend on your full financial profile. This tool is for illustration only and is not a loan offer or commitment to lend.
Get My Real NumbersYou’ll always know what’s happening and what’s next. Here’s how we get you from “maybe” to moved-in.
A quick, no-pressure application tells us your budget and shows sellers you’re serious.
Shop with confidence. I’ll coordinate with your agent so financing never slows you down.
We secure your rate and guide every document through underwriting — I handle the heavy lifting.
Sign, get your keys, and step into your first asset. This is the fun part.
Real words from buyers Kenya has guided home.
“Kenya made our first home feel possible. She explained everything in Spanish for my parents and never once made us feel rushed or confused.”
“Responsive, honest, and genuinely on our side. She told us when to wait and when to move — advice that saved us money.”
“I came in nervous and left a homeowner. Kenya treats you like family and fights for your closing like it’s her own.”
These are sample testimonials styled and ready — send Bo real client reviews (with first name + city) and they’ll drop straight in.
The application takes just a few minutes, it won’t hurt your credit to get started, and there’s never any obligation. Let’s open the door.
Whether you’re six months or six minutes from buying, reach out. No pressure, no judgment — just clear answers and a plan.
Less than most people think. Many first-time buyers put down as little as 3% with conventional loans, 3.5% with FHA, and qualified veterans can buy with $0 down through VA loans. We’ll also look at down-payment assistance programs you may qualify for.
Getting started costs you nothing and the initial conversation has no impact on your score. When we move to a full pre-approval, any credit inquiry is minimal and rate-shopping within a short window typically counts as a single inquiry.
Absolutely. Self-employed and 1099 buyers qualify every day — it just takes the right documentation and loan program. I’ll walk you through exactly what underwriters need so there are no surprises.
Pre-approval can happen in as little as 24–48 hours. From accepted offer to closing, most loans take roughly 30 days — and I keep you updated at every milestone so you’re never left wondering.
¡Sí! Te guiaré por todo el proceso de tu préstamo hipotecario en español, con paciencia y claridad. Tu familia también es bienvenida en cada conversación.