Joshua Marl Lumantao of Villocino Realty

Joshua Marl Lumantao of Villocino Realty From Vision to Property.

Trusted real estate partner in Panabo & Mindanao - I help you invest wisely in smart, seamless, and affordable properties with expert guidance.

Updateโ€“ February 7, 2026Thank you, Sir, for trusting me as your agent. Congratulations on your new home! ๐Ÿก4PH Deca Homes...
07/02/2026

Updateโ€“ February 7, 2026

Thank you, Sir, for trusting me as your agent. Congratulations on your new home! ๐Ÿก

4PH Deca Homes Panabo
Now accepting homebuyers โ€” no more renting!
Only โ‚ฑ3,000 reservation fee
โ‚ฑ4,300 monthly amortization through Pag-IBIG
Estimated turnover: 3โ€“8 months

Message us now:
๐Ÿ“ž 09603153167

๐Ÿ  ๐‡๐จ๐ฐ ๐ญ๐จ ๐€๐ฉ๐ฉ๐ฅ๐ฒ ๐Ÿ๐จ๐ซ ๐š ๐๐š๐ -๐ˆ๐๐ˆ๐† ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐‹๐จ๐š๐ง๐Ÿ“‹ ๐‘ผ๐’‘๐’…๐’‚๐’•๐’†๐’… & ๐‘ฌ๐’‚๐’”๐’š ๐‘ช๐’‰๐’†๐’„๐’Œ๐’๐’Š๐’”๐’•Applying for a Pag-IBIG Housing Loan doesnโ€™t have to...
06/02/2026

๐Ÿ  ๐‡๐จ๐ฐ ๐ญ๐จ ๐€๐ฉ๐ฉ๐ฅ๐ฒ ๐Ÿ๐จ๐ซ ๐š ๐๐š๐ -๐ˆ๐๐ˆ๐† ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐‹๐จ๐š๐ง
๐Ÿ“‹ ๐‘ผ๐’‘๐’…๐’‚๐’•๐’†๐’… & ๐‘ฌ๐’‚๐’”๐’š ๐‘ช๐’‰๐’†๐’„๐’Œ๐’๐’Š๐’”๐’•

Applying for a Pag-IBIG Housing Loan doesnโ€™t have to be stressfulโ€”basta alam mo kung ano ang ihahanda. Hereโ€™s an updated, step-by-step guide for buyers, sellers, and future homeowners. ๐Ÿ‘‡

โธป

โœ… 1๏ธโƒฃ Check Your Eligibility First

Make sure pasok ka sa basic requirements ng Pag-IBIG:

โœ” Active Pag-IBIG member with at least 24 monthly contributions
โœ” 65 years old max at time of application (70 at loan maturity)
โœ” No existing or defaulted Pag-IBIG housing loan
โœ” Income is enough to pay the monthly amortization

โธป

๐Ÿ“‘ 2๏ธโƒฃ Prepare the Updated Requirements

A. Basic Requirements

โ€ข Housing Loan Application Form (signed)
โ€ข 1 valid government ID
โ€ข Proof of Income
โ€ข Birth Certificate / Marriage Certificate (if applicable)

โธป

B. Proof of Income (Choose what applies)

For Locally Employed:
โ€ข Latest payslips (1โ€“3 months)
โ€ข Certificate of Employment & Compensation

For Self-Employed:
โ€ข ITR / Audited Financial Statements
โ€ข DTI & Mayorโ€™s Permit
โ€ข Bank Statements (preferably 12 months)

For OFWs:
โ€ข Employment Contract
โ€ข Payslips
โ€ข POEA documents
โ€ข SPA (if applying through a representative)

โธป

๐Ÿ˜ 3๏ธโƒฃ Property-Related Requirements

Depende sa property na kukunin:

A. Lot / House & Lot
โ€ข Contract to Sell / Reservation Agreement
โ€ข Updated Tax Declaration
โ€ข Location Plan & Vicinity Map

B. Condominium
โ€ข Contract to Sell
โ€ข DHSUD / HLURB License to Sell
โ€ข Master Deed / Floor Plan

C. Construction or Renovation Loan
โ€ข Approved Building Plans
โ€ข Bill of Materials
โ€ข Site photos

โธป

๐Ÿ“จ 4๏ธโƒฃ Submit Your Application

You may apply through:

Option 1: Online
โœ” Pag-IBIG Online Housing Loan Application
โœ” Upload scanned documents and wait for assessment

Option 2: Onsite
โœ” Submit to the nearest Pag-IBIG branch (Housing Business Center)

โธป

๐Ÿ” 5๏ธโƒฃ Appraisal, Evaluation & Approval

Pag-IBIG will conduct:
โ€ข Property appraisal
โ€ข Income & background evaluation

You will receive either:
โœ” Notice of Approval (NOA) or
โœ” Letter of Guaranty (LOG)

Follow all instructions stated in the NOA carefully.

โธป

โœ๏ธ 6๏ธโƒฃ Sign Loan Documents

Prepare to sign:
โ€ข Loan & mortgage documents
โ€ข Insurance coverage (MRI & Fire)

๐Ÿ“Œ Bring valid IDs and prepare required fees.

โธป

๐Ÿ’ฐ 7๏ธโƒฃ Loan Release

Once complete:
โœ” Check is released to the seller or developer
โœ” Monthly amortization starts after 1โ€“2 months

โธป

๐Ÿ’ก PRO TIPS PARA HINDI MA-DECLINE

โ€ข Keep your credit record clean
โ€ข Update Pag-IBIG contributions
โ€ข Donโ€™t overstate income
โ€ข Complete documents = faster approval

โธป

โœ… FINAL TAKE

A successful Pag-IBIG Housing Loan is all about complete documents, honest income declaration, and proper preparation.

Perfect ito for buyers who want low interest rates and long-term payment options.

๐Ÿ“ฉ Need help checking if youโ€™re qualified?

Message usโ€”weโ€™re happy to guide you step by step. 09155422465 ๐Ÿ“ฒ


๐„๐‹๐„๐๐€ ๐ˆ๐๐๐„๐‘ ๐”๐๐ˆ๐“ โ€” ๐…๐„๐– ๐”๐๐ˆ๐“๐’ ๐‹๐„๐…๐“โ—๏ธ NONE READY FOR OCCUPANCY ROWHOUSEYour dream home is closer than you think! Own a qua...
26/01/2026

๐„๐‹๐„๐๐€ ๐ˆ๐๐๐„๐‘ ๐”๐๐ˆ๐“ โ€” ๐…๐„๐– ๐”๐๐ˆ๐“๐’ ๐‹๐„๐…๐“โ—๏ธ
NONE READY FOR OCCUPANCY ROWHOUSE
Your dream home is closer than you think! Own a quality home at an affordable priceโ€”limited slots available, reserve yours today!

๐Ÿ  Unit Inclusions:
โœ… 1 Bedroom (Move-in Ready)
โœ… Vinyl Floor Tiles
โœ… Toilet & Bath
โœ… Living & Dining Area
โœ… Service Area

๐ŸŽ Special Promos:
โœ” FREE Electricity & Water Application Fees
โœ” FREE HOA Membership
โœ” FREE Bank & Title Processing
โœ” Plus a chance to drive home a BRAND NEW TOYOTA VIOS! ๐Ÿš˜โœจ

โฐ ๐™๐™ž๐™ง๐™จ๐™ฉ ๐™˜๐™ค๐™ข๐™š, ๐™›๐™ž๐™ง๐™จ๐™ฉ ๐™จ๐™š๐™ง๐™ซ๐™š๐™™!
Reserve today and start building your future.

โœจ Own Your Home at Palazzo โ€” Made Easy! โœจNONE READY FOR OCCUPANCY CONDO๐Ÿ  PALAZZO๐Ÿ’ธ Only โ‚ฑ6,500 monthly for 72 months๐ŸŽ PRO...
26/01/2026

โœจ Own Your Home at Palazzo โ€” Made Easy! โœจ
NONE READY FOR OCCUPANCY CONDO
๐Ÿ  PALAZZO
๐Ÿ’ธ Only โ‚ฑ6,500 monthly for 72 months
๐ŸŽ PROMO: โ‚ฑ15,000 Reservation Fee

๐ŸŒŸ Start your homeownership journey with a budget-friendly plan na swak sa lifestyle mo.
๐Ÿ˜Œ No stress, simple at affordable payments para sa dream home mo ๐Ÿก

โœ… Flexible payment terms
โœ… Ideal for first-time buyers & investors
โœ… Limited-time promo โฐ

๐Ÿ“ฉ Message us now para ma-reserve ang unit mo at makuha ang full details!

๐Ÿก ๐๐‘๐Ž๐‚๐„๐’๐’ ๐…๐‹๐Ž๐–: ๐Ÿ’๐๐‡ ๐‡๐Ž๐”๐’๐ˆ๐๐† ๐‹๐Ž๐€๐ ๐€๐๐๐‹๐ˆ๐‚๐€๐“๐ˆ๐Ž๐You should know the journey before you start.Owning a home through 4PH โ€“ Pam...
26/01/2026

๐Ÿก ๐๐‘๐Ž๐‚๐„๐’๐’ ๐…๐‹๐Ž๐–: ๐Ÿ’๐๐‡ ๐‡๐Ž๐”๐’๐ˆ๐๐† ๐‹๐Ž๐€๐ ๐€๐๐๐‹๐ˆ๐‚๐€๐“๐ˆ๐Ž๐
You should know the journey before you start.

Owning a home through 4PH โ€“ Pambansang Pabahay is a step-by-step process, and we make sure you are guided from orientation hanggang takeout ๐Ÿ โœจ

From:
โœ”๏ธ Buyers Orientation
โœ”๏ธ Pag-IBIG Pre-Qualification
โœ”๏ธ Reservation & Unit Assignment
โœ”๏ธ Loan Processing & Approval
โœ”๏ธ Up to Takeout & Move-in

๐Ÿ‘‰ Every step is assisted by Villocino Realty
๐Ÿ‘‰ Legit ug transparent ang proseso
๐Ÿ‘‰ Ideal for employees, self-employed, OFWs, first-time homebuyers

๐Ÿ“ฉ Message us to start your PRE-QUALIFICATION
๐Ÿ“ 4PH | DECA Homes Panabo
๐Ÿข Villocino Realty

2026 is your year to own a home ๐Ÿ™โœจ






โœจโœจ LIVE THE ITALIAN VIBE AT PIAZZA โœจโœจInspired by the Italian word โ€œPiazzaโ€ (Plaza), this development brings you a refres...
26/01/2026

โœจโœจ LIVE THE ITALIAN VIBE AT PIAZZA โœจโœจ

Inspired by the Italian word โ€œPiazzaโ€ (Plaza), this development brings you a refreshing Italian-inspired lifestyleโ€”open spaces, relaxing views, and a community designed for comfort and elegance.

๐Ÿก STUDIO UNIT
๐Ÿ“ 26.85 sq.m
๐Ÿ’ฐ VERY AFFORDABLE MONTHLY EQUITY

โ€ข Piazza 1 โ€“ only โ‚ฑ8,500/month
โ€ข Piazza 2 โ€“ only โ‚ฑ7,800/month

๐ŸŒฟ ENJOY WORLD-CLASS AMENITIES

โœ… Kiddie Pool
โœ… Pavilion
โœ… Open Lawn
โœ… Maze Hedge
โœ… Pedestrian Bridge
โœ… Existing Lagoon
โœ… Beautiful Garden Areas

๐Ÿ“ฉ Limited units only!
Message now for site viewing, sample computation, and exclusive promos.

๐Ÿšจ STOP SCROLLING. BASAHIN MO โ€˜TO. ๐Ÿšจโ‚ฑ4,000 lang kada buwan โ€” may SARILI ka nang BAHAY sa Panabo City! ๐Ÿก๐Ÿ”ฅ๐Ÿ‘‰Bahay na mapapas...
26/01/2026

๐Ÿšจ STOP SCROLLING. BASAHIN MO โ€˜TO. ๐Ÿšจ

โ‚ฑ4,000 lang kada buwan โ€” may SARILI ka nang BAHAY sa Panabo City! ๐Ÿก๐Ÿ”ฅ

๐Ÿ‘‰Bahay na mapapasayo sa tulong ng Expanded 4PH Program ng Pag-IBIG at ng Gobyerno

Kung employed, self-employed, o OFW ka at may Pag-IBIG, pwede ka nang mag-apply TODAY.

Limited slots lang ang available.

๐Ÿ“ฉ MESSAGE US NOW
Alamin agad kung qualified ka bago maubos ang units.

#โ‚ฑ4000Monthly

HI! HOME BUYERS & MY CLIENTSUpdate Jan 24, 2026 sa site development ni๐Ÿ“ 4PH PAMBANSANG PABAHAY๐Ÿ‡ต๐Ÿ‡ญ๐Ÿก DECA HOMES PANABOThe B...
25/01/2026

HI! HOME BUYERS & MY CLIENTS
Update Jan 24, 2026 sa site development ni
๐Ÿ“ 4PH PAMBANSANG PABAHAY๐Ÿ‡ต๐Ÿ‡ญ

๐Ÿก DECA HOMES PANABO

The Buyerโ€™s Orientation was held earlier today ๐Ÿ‘‡
๐Ÿ“Œ McDonaldโ€™s Panabo 9 AM

Para sa mga nagda-dream magka-own house through Pambansang Pabahay (4PH), this orientation discussed:
โœ”๏ธ Affordable housing under 4PH
โœ”๏ธ The Pag-IBIG financing process
โœ”๏ธ Requirements and next steps
โœ”๏ธ How to move from renting to owning

โœจ Para sa minimum wage earners, OFWs, at Filipino families na gusto magkabahay.

Missed todayโ€™s session?
๐Ÿ“ฉ Message us for the next schedule and reservation details.

๐Ÿข Villocino Realty
Joshua Marl Lumantao of Villocino Realty
4PH Deca Homes Panabo by Villocino Realty Business Affiliate

READY FOR OCCUPANCY READY TO MOVE-INโ€ผ๏ธ๐ŸกAIRENE RH โ€“ Bria Panabo๐Ÿ“ Brgy. Salvacion, Panabo Cityโœจ โ‚ฑ10,000 reservation langโœจ ...
03/01/2026

READY FOR OCCUPANCY READY TO MOVE-INโ€ผ๏ธ๐Ÿก
AIRENE RH โ€“ Bria Panabo
๐Ÿ“ Brgy. Salvacion, Panabo City

โœจ โ‚ฑ10,000 reservation lang
โœจ As low as โ‚ฑ5,467 monthly(25 years to pay)
โœจ All in downpayment 17,190
โœจ Bank financing available no Pagibig
โœจ Limited units only
โœจWith Home Gift Certificate+ Toyota Vios Car
1 UNIT NALANG!

๐Ÿ“ฉ PM now to reserve before ma-sold out!
First come, first served

16/12/2025

๐†๐ซ๐จ๐ฎ๐ง๐๐›๐ซ๐ž๐š๐ค๐ข๐ง๐  ๐‚๐ž๐ซ๐ž๐ฆ๐จ๐ง๐ฒ Dec 15, 2025 | ๐ƒ๐„๐‚๐€ ๐‡๐Ž๐Œ๐„๐’ PANABO โ€“ ๐Ÿ’๐๐‡ ๐๐ซ๐จ๐ ๐ซ๐š๐ฆ

We officially mark the beginning of another
๐š๐Ÿ๐Ÿ๐จ๐ซ๐๐š๐›๐ฅ๐ž ๐ก๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ฆ๐ž๐ง๐ญ under the
๐๐š๐ฆ๐›๐š๐ง๐ฌ๐š๐ง๐  ๐๐š๐›๐š๐ก๐š๐ฒ ๐ฉ๐š๐ซ๐š ๐ฌ๐š ๐๐ข๐ฅ๐ข๐ฉ๐ข๐ง๐จ (๐Ÿ’๐๐‡) ๐๐ซ๐จ๐ ๐ซ๐š๐ฆ.

This project aims to provide ๐ช๐ฎ๐š๐ฅ๐ข๐ญ๐ฒ ๐š๐ง๐ ๐›๐ฎ๐๐ ๐ž๐ญ-๐Ÿ๐ซ๐ข๐ž๐ง๐๐ฅ๐ฒ ๐ก๐จ๐ฆ๐ž๐ฌ for Filipino families.
๐Ÿ“ ๐๐š๐ง๐š๐›๐จ ๐‚๐ข๐ญ๐ฒ

Price: 4K/month

#๐ƒ๐„๐‚๐€๐‡๐จ๐ฆ๐ž๐ฌ
#๐Ÿ’๐๐‡๐๐ซ๐จ๐ ๐ซ๐š๐ฆ

#๐€๐Ÿ๐Ÿ๐จ๐ซ๐๐š๐›๐ฅ๐ž๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐ 
#๐๐š๐ง๐š๐›๐จ๐‚๐ข๐ญ๐ฒ

Address

Panabo
8105

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