Dan Cioloca Mortgage Specialist

09/22/2026

Think you need 2 full years of self-employment to buy a home? Not always.

Some programs allow for only 1 year if you can show your previous experience in a similar line of work.

Ready to see if you qualify?👉 Comment "HOME" below or send me a DM to explore your options!

Dan Cioloca • Capstone Home Loans •
MLO - NMLS 2779272

09/11/2026

Talking mortgage with Daisy! I don't understand why she never wants to talk about these amazing lending products. 😂 Kids these days...

09/08/2026

Your tax returns tell the IRS one story.
Your bank statements tell the real one. 🏦💰

Message me: Dan Cioloca · Capstone Home Loans · MLO - NMLS 2779272

09/03/2026

I don't understand why she never wants to talk about mortgages! Kids these days... Sheesh

09/01/2026

Can a small business owner actually get a home loan? Yes, and most owners have no idea how simple it can be. After the write-offs, your tax returns don’t tell the real story. A bank statement loan qualifies you on the deposits flowing through your account. No W-2 or tax returns required. If you own a business here in the Valley and have wondered whether a home for your family is within reach, let’s find out where you stand. No pressure, no obligation, just answers. 

Message me: Dan Cioloca · Capstone Home Loans · MLO - NMLS 2779272

08/31/2026

Tired of constant doom-scrolling housing headlines? Here is some uplifting info from Logan Mohtashami (analyst at HousingWire). He breaks down what's actually happening in the market. No clickbait, just data.

If you're buying, selling, or just curious, this one's worth the listen. Inventory's normalizing, rates have held steady, and demand is still posting gains despite the noise. The data says 'steady,' not 'crash.' Give it a listen!

In this episode of the Loan Officer Podcast, host Dustin Owen sits ...

07/08/2026

Remember when buyers had to waive inspections, offer $50k over asking, and pay all their own closing costs?

Times have changed. 🕒🏠

With more homes sitting on the market, the power has shifted back to you. Right now, we are routinely seeing savvy buyers secure:
🔹Price reductions on solid homes that have been sitting.
🔹Massive seller credits to cover closing costs.
🔹Seller-funded interest rate buydowns.

The window of opportunity is wide open. Send a DM to discuss options!

Call, Text, or Email:
206 707 6932
[email protected]
NMLS # 2779272

06/26/2026

Waiting for rates to improve? You may be giving up your leverage!

Right now, the market is favoring buyers, meaning you stand a good chance to receive some seller credits which will minimize the amount of cash you need to bring to the table.

Let's make a plan. DM me to discuss how we can use current market leverage to get you into a home.

Call, Text, or Email
206 707 6932
[email protected]
NMLS # 2779272

06/02/2026

Tired of renting? 💸 You might be missing out on free help.

​Did you know the majority of borrowers can qualify for Washington State Down Payment Assistance?

​Nope! It's not just for low-wage earners or first-time buyers. The Home Advantage Program offers up to 5% assistance (pssss... you typically only need 3-5% down on a Conventional loan) 😉

​DM me today to see how much assistance you can get! 🏡✨

05/29/2026

A home isn’t just the property.
It’s everything around it too.

Finding the right home takes research; securing the right loan takes strategy. Contact me to start planning your next move.

Dan Cioloca | Mortgage Loan Originator
NMLS #2779272
Capstone Home Loans
Equal Housing Opportunity