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Jay de Castro
Senior Home Lending Advisor
Start online with Jay


JAY DE CASTRO

Senior Home Lending Advisor
NMLS ID: 625145

(3 Reviews)
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(0 Zillow Reviews)
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1150 E Putnam Ave
Riverside, CT 06878
Primary:
(203) 962-3278
(203) 962-3278
Fax:
(866) 353-3158
jay.decastro@jpmorgan.com
Connect with me:
Start online with Jay
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About Jay
Jay proudly serves clients in the Riverside, CT area. Jay has 18 years of
experience as a Senior Home Lending Advisor and specializes in preapproval,
fixed-rate mortgages, adjustable-rate mortgages, condo and co-op lending, and
conforming loans and jumbo mortgages. Whether you're a first-time homebuyer,
need to expand or downsize, or are looking for a second home, Jay is here to
help you find a mortgage to fit your needs. Starting with a review of your
finances, Jay can help you get a clear picture of what might work best for you.
Jay will explain your options, answer any questions you may have, keep you
informed and guide you through every step of the mortgage process. Above all,
Jay wants to ensure that you have a positive home lending experience.
Mortgage Tools
Mortgage calculators
Affordability calculator
Homebuyer Assistance finder
Rates tool
See more tools
Loans & Products
Conventional mortgage
Jumbo Mortgage1
DreaMakerSM mortgage2
FHA mortgage3
Veterans Affairs (VA) loan4
Terms and rates
Chase MyHome6. All things home. All in one place.
Sign in to Chase MyHome to search for the home you’d like, see sales trends,
estimate your budget, find a loan and more.
Find a home you love
Search home listings, neighborhood information and more, based on your needs.
Explore homes
What's your price range?
How much home can you afford? Enter you information to help determine your
homebuying budget.
Go to affordability calculator7
Explore your options
For a first home or refinance8. Compare rates, see loan options and find offers
that meet your needs and goals.
See your loan options
Recent Reviews
Leave a review
Alexander Irwin
November 17, 2022
5 out of 5

Everyone who I worked with was a pleasure and it made this whole experience so
great! The only thing I wasn't a fan of was just the amount of information at
different times I needed to give. Just felt tedious. Everything else was great!
Fjordi Mulla
July 21, 2022
5 out of 5

Jay was great! It's so nice to have such an experienced loan officer on our
side!
Michael Cunnion
July 13, 2020
5 out of 5

Jay DeCastro was great. Very responsive and thoughtful. We were fortunate to
work with Jay, the process was very smooth and went better than we could have
anticipated!
View More
Facing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by
committing $30 billion by the end of 2025 to advance economic growth and
opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino
households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved
communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
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Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from
preapproval5 to finding a loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?

When debating between renting vs. buying, you need to think about your lifestyle
and finances. While renting can provide more flexibility, owning a home enables
you to build equity in the property and may provide tax benefits.

Buying a home is a huge step, especially when you’re moving from renting to
owning.
How can I get information on mortgage loan options?

At Chase, you can choose from several types of mortgage loans to finance your
home purchase. A Home Lending Advisor can help you understand the differences
between the various loan options so you find one that best suits your financial
situation.
Once you understand what you want out of a home, determining your housing budget
is essential. After determining a loose housing budget, you'll need to decide
how much you'll be comfortable paying each month. Your real estate agent will
help you find the right home based on all of these factors. Looking for more
information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?

Traditional loans usually require documents that verify your employment, income
and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit
cards
What is better: a fixed or an adjustable interest rate?

If you plan to be in your home for more than seven years, you may want to
consider a fixed-rate mortgage, which offers predictable payments and long-term
protection against rising mortgage interest rates. If you plan to be in your
home for seven years or less, an adjustable-rate mortgage (ARM)9 could be
attractive. Keep in mind that with an ARM, your monthly payments have the
potential to go up each time your interest rate adjusts.
Current Chase mortgage rates10
Purchase
Refinance
The annual percentage rate (APR) is the cost of credit over the term of the loan
expressed as an annual rate. The APR shown here is based on the interest rate,
any points, and mortgage insurance for FHA loans. It does not take into account
the processing fee or any other loan-specific finance charges you may be
required to pay. Rates are estimated by state and actual rates may vary.


Purchase: Rates displayed in the table include approximately 1 point and are
based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6
ARM and 5/6 ARM based on a loan amount of $350,000 with a down payment of 20%.
30-year fixed FHA based on a loan amount of $250,000 with a down payment of
3.5%. 30-year fixed jumbo based on a loan amount of $1,300,000 with a down
payment of 30%. All loans assume a single-family residence; purchase loan;
mortgage rate lock period of 30 days and customer profile with excellent credit.
See estimated monthly payments.


Refinance: Rates displayed in the table include approximately 1 point and are
based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6
ARM and 5/6 ARM based on a loan amount of $350,000 with a loan to value of 75%.
30-year Jumbo based on a loan amount of $1,300,000 with a loan to value of 70%.
All loans assume a single family residence, refinance loan, mortgage rate lock
period of 45 days in all states except NY which has a rate lock period of 60
days and customer profile with excellent credit. See estimated monthly payments.


Depending upon your credit profile and loan amount, interest-only loans are
available and provide for the payment of interest only for a set period of time,
and payments of principal and interest thereafter for the remainder of the loan
term. While making interest-only payments, principal is not reduced. At the end
of this period, your monthly payment will increase.
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your
home's equity for updates, we're ready to help you make it happen. You get a
variety of powerful online mortgage tools and resources, a dedicated Chase Home
Lending Advisor with you every step of the way and access to a personal online
site for regular updates about your loan, neighborhood home sales and more.
1. Loans up to 85% of a home's value are available on a purchase or refinance
with no cash back, subject to property type, a required minimum credit score and
a minimum amount of monthly reserves (i.e., you must set aside enough money in
reserve to make a specified number of monthly mortgage payments principal,
interest, taxes, insurance and assessments after the loan closes). Product
restrictions apply. Jumbo loans available up to $9.5 million. For loan amounts
greater than $3MM (or $2MM for investment properties), customers must meet
post-closing asset requirements to qualify. Additional restrictions may apply.
Please contact a Chase Home Lending Advisor for details.
2. The DreaMaker mortgage is only available for purchase and no-cash-out
refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms.
Income limits and homebuyer education course is required when all mortgage
applicants are first time homebuyers.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may
be financed, or paid at closing, and an FHA annual mortgage insurance premium
(MIP) paid monthly will also apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be
eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A
Certificate of Eligibility (COE) from the VA is required to document
eligibility. Restrictions and limitations apply.
5. A preapproval is based on a review of income and asset information you
provide, your credit report and an automated underwriting system review. The
issuance of a preapproval letter is not a loan commitment or a guarantee for
loan approval. We may offer a loan commitment after you submit an application
and we perform a final underwriting review, including verification of any
information provided, property valuation and, if applicable, investor approval,
which may result in a change to the terms of your preapproval. Preapprovals are
not available on all products and may expire after 90 days. Contact a Home
Lending Advisor for details.
6. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed
real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with
JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase
is not responsible for the real estate services and the search results provided
by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
7. Tools and calculators are provided as a courtesy to help you estimate your
mortgage needs. Results shown are estimates only. Speak with a Chase Home
Lending Advisor for more specific information. Message and data rates may apply
from your service provider.
8. Important Notice to Servicemembers and Their Dependents: This refinance offer
may not be advantageous to you if you are currently eligible for benefits
provided by the Servicemembers Civil Relief Act (SCRA). If you are an
SCRA-eligible customer and have questions about the SCRA or about this refinance
offer, please discuss with your Home Lending Advisor. The amount you save on a
refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term
than remains on your current loan, you will incur additional interest charges
for the extended term.
9. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set
period of time, and adjusts periodically thereafter. At the end of the
fixed-rate period, the interest and payments may increase according to future
index rates. The APR may increase after the loan closes.


10. The annual percentage rate (APR) is the cost of credit over the term of the
loan expressed as an annual rate. The APR shown here is based on the interest
rate, any points, and mortgage insurance for FHA loans. It does not take into
account the processing fee or any other loan-specific finance charges you may be
required to pay. Rates are estimated by state and actual rates may vary. Rate,
points and APR may be adjusted based on several factors, including, but not
limited to, state of property location, loan amount, documentation type, loan
type, occupancy type, property type, loan to value and your credit score. Your
final rate and points may be higher or lower than those quoted based on
information relating to these factors, which may be determined after you apply.


Tools and calculators are provided as a courtesy to help you estimate your
mortgage needs. Results shown are estimates only. Speak with a Chase Home
Lending Advisor for more specific information. Message and data rates may apply
from your service provider.


FHA loans require an up-front mortgage insurance premium (UFMIP), which may be
financed, or paid at closing, and monthly premiums will apply.


For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set
period of time, and adjusts periodically thereafter. At the end of the
fixed-rate period, the interest and payments may increase according to future
index rates. The APR may increase after the loan closes.


The NMLS ID is a unique identification number that is issued by the Nationwide
Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator
(MLO)


JPMorgan Chase does not offer tax advice. Please consult your tax advisor about
the deductibility of interest and other charges.


All home lending products except IRRRL (Interest Rate Reduction Refinance Loan)
are subject to credit and property approval. Rates, program terms and conditions
are subject to change without notice. Not all products are available in all
states or for all amounts. Other restrictions and limitations apply.


Home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC
 1. Home
 2. CT
 3. Riverside
 4. Jay de Castro


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