L
Frequently Asked Mortgage Questions
How do I get pre-approved for a mortgage?
Getting pre-approved involves reviewing your income, assets, credit history, and financial information to determine the mortgage amount you may qualify for.
What credit score do I need for a home loan?
Credit requirements vary by loan type. FHA, VA, and Conventional loans all have different qualification standards.
Can I refinance my current mortgage?
Yes. Refinancing may help lower your monthly payment, reduce your interest rate, shorten your loan term, or provide access to home equity.
What is the difference between FHA and Conventional loans?
FHA loans generally offer more flexible qualification requirements, while conventional loans can provide lower long-term costs for qualified borrowers.
Do you offer VA loans?
Yes. We help eligible veterans, active-duty military members, and qualifying spouses access VA loan benefits.
What our clients are saying
-
Excellent!! Mr. Kellen Ferguson made my first time home buying experience a pain free and easy experience. Always available to speak with either in person or on the phone.
Daniel R
August 14, 2026James at Castle Rock Mortgage is an outstanding resource for anyone looking to buy a home or explore creative financing options. The mortgage industry is constantly changing, and James always... read more stays on top of the latest programs, lending guidelines, and financing solutions. He does a great job keeping our BNI chapter informed about new opportunities that could benefit homebuyers. What I appreciate most is that he takes the time to educate people instead of just trying to close a loan. If you're looking for someone who is knowledgeable, responsive, and genuinely cares about helping you find the right financing solution, I highly recommend reaching out to James at Castle Rock Mortgage.
Michael Craig
July 15, 2026Had another opportunity to work personally with James @ Castlerock Mortgage. Always a pleasure! He made the loan details run very smoothly with no issues or delays!... read more Thanks James for helping me with, not only my personal loans, but my clients as well!
Jodi Griffey (BLK DOG Realty)
July 2, 2026 -
I’ve come to know Mr. Kellen and his team quite well. After 3 houses, Kellen continues to serve me whenever I need or even just a simple question. Always willing... read more to help and no bs, no reading between the lines. Very welcoming and overall the best experience I could have when buying a home!
Richard Willard
March 24, 2026James walked me through the arduous process of securing a loan for our property in Tennessee! So excited to leave the state of Illinois! James was so helpful, patient and... read more totally professional. Should the opportunity arise, I would recommend James to anyone seeking a loan.
Daniel Anderson
March 17, 2026 -
As a first time home buyer I didn't really know what I didn't know. Kellen was great with explaining what everything meant and was always available for questions that came... read more up. He walked me through every step of the process. Overall a great experience. I will be recommending Kellen to everyone I know and will be using him again for my next house.
Bradley Schreiber
January 10, 2026 -
One of the best lenders I have ever worked with! Stephanie kept us informed every step of the way. If me and my client had a question, she had an... read more answer immediately. Even on the weekends! If you want a lender that pays attention to detail, is responsive, professional, and just all around amazing I would definitely recommend Stephanie!
Rebekah Sprabary
May 17, 2025I am a Realtor with Crye-Leike, Realtors, and I worked closely with Stephanie Feuring to help clients purchase their dream home. She returns calls and emails, goes above and beyond, and... read more is knowledgeable. I highly recommend Stephanie and would love to work with her again!
Kimberly Greenwell
May 8, 2025Stephanie Feuring is the best. She is as professional and helpful as they come. She was "on top of it" throughout the entire process, warm, and understood our situation beyond... read more just numbers. She went out of her way at one point to help us lower our interest rate when she found the opportunity. Thank you for getting us to Tennessee Stephanie! We definitely recommend Castle Rock for anyone in the market.
Jordan Hoffman
April 22, 2025 -
I’ve had the pleasure of working with Daniel for two transactions so far and both have been phenomenal! Always work to go above and beyond for his clients.
Diane Lunn
April 11, 2025We can’t say enough about our incredible experience with Castle Rock Mortgage, especially Daniel and Lana. They went above and beyond every step of the way during our extremely tricky... read more purchase. No matter the challenge, they rose to the occasion with professionalism, promptness, and unwavering dedication. What truly stood out was how relatable and genuine they were — they didn’t just guide us through the process; they made us feel supported and understood. Their commitment to ensuring everything went smoothly was nothing short of amazing. We are so grateful for their hard work and highly recommend Castle Rock Mortgage to anyone looking for exceptional service!
Amber Gregory
March 26, 2025Daniel at Castle Rock Mortgage is hand down the BEST loan officer I have EVER had. I have moved multiple times and had a range of loan officers, but none... read more compare to how great Daniel was for me and my family. He was patient with all of my questions, fought for what we were looking for, and got us an interest rate that NO ONE could. Daniel and Castle Rock are the way to go for your home loan needs. Thank you!
Van Riggins
March 24, 2025 -
Great service and very responsive. We loved the way Daniel explained the process and addressed any question we had. Would highly recommend! It made the process smooth and stress free.
Eri Santiago
March 3, 2025Such a great Homebuying experience with Daniel Page. He was honest and layed everything out clearly for us and made what is supposed to be a stressful situation into a... read more breeze. I would recommend everyone to work with him as a lender. Thanks again Daniel for everything!!!
Alex Elston
November 17, 2024Such a great Homebuying experience with Daniel Page. He was honest and layed everything out clearly for us and made what is supposed to be a stressful situation into a... read more breeze. I would recommend everyone to work with him as a lender. Thanks again Daniel for everything!!!
Alex Elston
October 24, 2024Brandon Ferguson is a great lender to work with! I asked Brandon to help get a client approved and he was very responsive, quick and prompt. He had my client... read more an approval letter the SAME day! We then put in an offer and my client got the home he wanted! I am so grateful for quick, organized lenders like Brandon and will refer him and use him again in the future. Highly recommend.
Kamryn Smith
October 17, 2024 -
Stephanie is very knowledgeable in the mortgage industry! I have known and worked with Stephanie for 6 years. She is very professional and cares about her clients! ... read more If you are looking for a new home Stephanie is your girl!
Heather Brooks
October 17, 2024Stephanie is very knowledgeable in the mortgage industry! I have known and worked with Stephanie for 6 years. She is very professional and cares about her clients! ... read more If you are looking for a new home Stephanie is your girl!
Heather Brooks
October 10, 2024Brandon Ferguson is a great lender to work with! I asked Brandon to help get a client approved and he was very responsive, quick and prompt. He had my client... read more an approval letter the SAME day! We then put in an offer and my client got the home he wanted! I am so grateful for quick, organized lenders like Brandon and will refer him and use him again in the future. Highly recommend.
Kamryn Smith
October 8, 2024We just closed on our first home and Kellen and Alicia made the process seamless. They were flexible with our schedules and extremely knowledgeable of the Clarksville market. They were... read more able to work closely with my realtor and were very communicative. We were kept up to date throughout the whole process and given options and dates for every situation. As a first time home buyer I would recommend them to anyone.
Amaya Layne
September 17, 2024 -
We just closed on our first home and Kellen and Alicia made the process seamless. They were flexible with our schedules and extremely knowledgeable of the Clarksville market. They were... read more able to work closely with my realtor and were very communicative. We were kept up to date throughout the whole process and given options and dates for every situation. As a first time home buyer I would recommend them to anyone.
Amaya Layne
September 5, 2024James and his office of professionals have been really great to work with over the past 10 plus years. I have worked with James on 4 projects and each one... read more turned out fantastic. Thank you James and thank you for running a great mortgage business.
Michael Dean
August 17, 2024I have done business with James Ferguson and Castlerock Mortgage for 20 years! He is very well know and respected for his wealth of knowledge in the mortgage business!... read more He is straight up one of the BEST of the BEST in his field! We love him and his entire Team! Highly recommend 10/10!!!
Jaime Wallace Team
August 17, 2024


