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Ernie Castro

Home Equity Retirement Specialist

NMLS # 506548

(703) 447-7036

8820 Columbia 100 Parkway | Suite 201
Columbia, MD 21045

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About Me

Ernie Castro is a dedicated Home Equity Retirement Specialist serving clients across the District of Columbia, Georgia, Maryland, South Carolina, Virginia, and West Virginia. With years of experience in the senior marketplace, Ernie is passionate about helping retirees achieve financial peace of mind by utilizing tools like the Home Equity Conversion Mortgage (HECM) and other government-insured reverse mortgage solutions.

As the co-founder of Superior Options for Seniors (SOS), Ernie is committed to providing comprehensive support to the senior community. SOS acts as a one-stop shop for addressing the challenges seniors face today, offering a variety of resources and services to meet their needs.

Ernie is also an active member of his community. He holds membership in the No. Va. Mortgage Bankers Association, where he has served as both President and Treasurer. His commitment to professional excellence and financial education underscores his dedication to delivering exceptional service.

When not working, Ernie enjoys staying active and engaged in the local area. He is a member of Oakton Pilates and regularly participates in classes. Additionally, he is a member of Hidden Creek Country Club in Reston, VA, where he plays tennis and golf.

A proud family man, Ernie is married with three adult children and is eagerly anticipating the arrival of his first grandchild in March 2025.

Ernie’s mission is to empower retirees with the knowledge and tools they need to make informed financial decisions. Whether you’re looking to increase your retirement cash flow or explore how a reverse mortgage can enhance your financial future, Ernie is here to guide you every step of the way.

Contact Ernie today to start your journey toward a more secure retirement!

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Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Reduce monthly expenses by paying off existing mortgage
  • Enhance your cash flow
  • Create an emergency fund
  • Fund for home repairs or upgrades
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying debt
  • Incorporate housing wealth into your retirement plan
  • Increase cash to help ensure monthly bills are paid
  • Reduce the burden of out-of-pocket healthcare costs
  • Have the cash for a large expense, such as a vacation or vehicle
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