Ramiro Castro leads product at FirstClose with a focus on borrower-first design for home equity lending. Castro directed development of a point-of-sale flow that combines soft-pull credit, automated valuation model (AVM)-based CLTV and pricing at application to surface LOS-backed eligibility in under 30 seconds. The workflow embeds disclosures, condition tracking and collaboration for loan officers and processors, producing cleaner files and fewer downstream touches. He also launched Order Logic, a unified ordering layer for title, valuation and flood that onboards in hours, centralizes provider management and returns results directly into the LOS for rules-based automation. Early pilots indicate reduced order cycle times and simpler operations for lenders. In production, lenders using FirstClose Equity report materially shorter cycles from application to funding, with some institutions increasing funded volume within 60 days of adoption. Rate transparency from point of sale (POS) to closing has tightened as well, supporting borrower trust. Castro’s approach emphasizes measurable improvements—throughput, accuracy and compliance—rather than features in isolation. By raising clarity at the front of the process and eliminating handoffs in settlement ordering, Castro helps lenders close more loans with the same staff while giving borrowers faster answers and predictable timelines.
Name:
Ramiro Castro
Title:
Chief Product Officer
Company Name:
FirstClose
