Loans with Jackie | Realtor Partners | GX4 Mortgage Team
Jackie Castro · Loans with Jackie

Your buyers deserve a lender who serves, not sells.

I'm Jackie, a bilingual loan officer with the GX4 Mortgage Team. Whether your buyer is purchasing their first home, upgrading, investing, or refinancing, I help them understand their options and build a plan around their goals, with clear communication for you and your clients every step of the way.

Let's connect and get your next buyer to the closing table!

Get your buyer mortgage-ready

English · Español · 10 yrs banking & lending · NMLS #2420425

Partner with me →
Jackie Castro, Mortgage Loan Officer, GX4 Mortgage Team
How a referral works

You send the buyer. I take it from there.

  1. You send the buyer

    Two minutes on the form below. You get a thank-you text, and next time your info is already filled in.

  2. Your buyer hears from me

    A welcome text in English or Spanish, any hour. Their questions get answered and our call gets booked.

  3. We get the file right

    A document checklist built around how your buyer actually earns. I follow up until it's complete, then work the pre-approval.

  4. You're never guessing

    Booked, application in, pre-approved, under contract, clear to close. Every milestone lands in your text thread and inbox, 8 AM to 9 PM.

Jackie Castro
Jackie Castro
NMLS #2420425 · Phoenix, AZ
GX4 Mortgage Team
Meet Jackie

Serving, not selling. Sirviendo, no vendiendo.

Experience10 yrs banking & lending
LanguagesEnglish · Español
SpecialtyFirst-time & move-up buyers
ServingPhoenix metro & all of Arizona

I grew up in a family where nobody talked about buying a home. It felt like something for other people. Today I'm the first homeowner in my family, and I became a loan officer so the next family doesn't have to figure it out alone.

That's who I serve: the renter who's been saying "one day" for years, the family ready for their next home, the buyer whose file needs a little extra work, and anyone who wants it explained in English or Spanish, at their own table, at their own pace.

Before mortgages, I spent 10 years in banking and financial services. I know what underwriting looks for, so I catch income, credit, and asset issues in the first conversation, not in closing week.

For you, that means buyers who are prepared, calm in escrow, and grateful they were sent to me. Homeownership is how families build generational wealth, and I take that seriously.

Loan options for every buyer

Every buyer has a path. Send them to me.

First home or fourth, I'll match your buyer to the loan that fits. Here are a few ways I help.

01

First-time buyers

Clear guidance from pre-approval to keys, with FHA, conventional, and VA options.

02

Move-up buyers

Buying their next home? I'll help them plan the timing and financing so the move goes smoothly.

03

Rebuilding credit

Scores in the 500s aren't automatically out. If they're not ready, I build them a plan.

04

Down payment help

Arizona assistance programs that cut the cash a first-time buyer needs at closing.

05

Investors

DSCR loans qualify on the property's rent, not the buyer's personal income.

06

New construction & equity

Construction loans for builds, plus HELOCs and refinances for your past clients.

Subject to credit approval and program guidelines. Not all buyers will qualify.

Why agents partner with me

A lender who makes you look good.

Send me your strongest buyers, not just the tricky files. First home or forever home, every client gets my full attention, a pre-approval that holds up, and a closing that stays on schedule. Your buyers reflect on you, so I treat them like my own family.

01

Offer-ready, fast

Pre-approval letters turned around quickly, including evenings and weekends, so your buyer can write a confident offer the moment they find the one.

02

Closings that stay on schedule

I flag income, credit, and asset issues on day one, so nothing surprises you or the listing agent in closing week.

03

Whole families, in their language

I walk parents and relatives through every step in Spanish. You get every update in English.

04

No buyer falls through

"Not yet" buyers stay in my follow-up with a real plan. You hear the moment they're ready to tour.

Partner perks beyond the loan

More than a lender. A partner in your business.

Good partnerships help both of us grow. Here's what I bring to the table.

  • Agent education sessionsShort trainings on financing options that help more of your buyers say yes: first-time buyer programs, down payment help, credit rebuilding, investors, and more. Learn when to say "yes, let's talk."
  • Co-hosted buyer workshopsBilingual first-time buyer nights we plan together. You meet ready-to-move renters; I handle the financing side.
  • A Spanish-speaking teammateBring me into any conversation where a buyer or their family is more comfortable in Spanish.
  • "Not ready yet" plansBuyers who need more time get a real credit and savings plan from me, and come back to you ready to tour.
  • Market and rate updatesPlain-English notes you can use with your sphere when rates or programs change.
  • Podcast and content guestsJoin me on an episode or video to talk homebuying with my audience.
Your buyer stays your buyer. Anyone you send me is your client. I work alongside you, never around you, and point your buyer back to you on everything real estate.
Send a buyer

Send me your buyer. I'll take great care of them.

About two minutes. Your buyer gets a welcome text within seconds, and you get every milestone.

  • Your buyer answered in seconds, 24/7
  • Updates on your own thread, 8 AM to 9 PM
  • Your buyer stays your buyer
Jackie Castro"Every buyer you send goes straight into my system, so nothing slips." — Jackie
Step 1 of 3You

First, who's sending?

So I can keep you in the loop on your buyer.

Welcome back, . Your info is filled in.
Please enter your first name.
Please enter your last name.
Your milestone updates go to this number.
Please enter a 10-digit mobile number.
Please check your email address.

Who's the buyer?

They get a welcome text within seconds, in their language.

Please enter their first name.
Please enter their last name.
Please enter a 10-digit mobile number.
Please check their email address.
Their preferred language

What do they need?

A rough idea is fine. I'll confirm the details with them.

Type of loan
Please choose a loan type.
Please choose one.
Please choose one.
Your buyer's info is private and never sold.

Done! Your buyer is in good hands.

They're getting a welcome text right now, and a thank-you is on its way to you. Gracias for trusting me with them.

Save Jackie's contact
Questions agents ask

Straight answers.

The short version of how working together goes.

Sending a buyer

Can I just text you my buyer's info?

Please send every buyer through this page. It drops them straight into my system, sends your buyer a welcome text in seconds, and turns on your milestone updates automatically. Texts and DMs can get missed. This page can't.

How fast will my buyer hear from you?

Within seconds, any time of day, by text in English or Spanish. Their questions get answered and our call gets booked right on my calendar. Let your buyer know a text is coming so they reply.

What if my buyer isn't ready yet?

Send them anyway. I build a plan for buyers who need time, check in as they get closer, and tell you the moment they're ready to tour.

You and your buyer

Will my buyer stay my buyer?

Always. Anyone who comes to me through you is your client. I work alongside you, never around you, and point your buyer back to you on everything real estate.

What will I see about my buyer?

Progress, never private details. You get every milestone, but never their credit, income, assets, or documents. Your buyer stays protected, and you always know where things stand.

Can you handle the whole loan in Spanish?

Yes. Every call, text, and document walkthrough can be in Spanish, while you get updates in English.

Loans and partnering

What loans can you help with?

Purchase, refinance, HELOC, and home equity loans, including conventional, FHA, VA, down payment assistance, Non-QM, bank statement, ITIN, DSCR, and new construction. I match your buyer to what fits, subject to credit approval.

Can you speak at my office or co-host a buyer event?

Yes to both. I offer short sessions on financing options for your team, and we can plan bilingual buyer events together where you meet the buyers and I cover the financing side. Costs are split fairly per compliance rules.

Do you pay referral fees?

No. Referral fees aren't allowed in mortgage lending, and we don't need them. We earn your next referral by how we take care of this one.

GX4 Mortgage Team

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Office

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Phoenix, Arizona · Serving statewide