Closing Costs: Why Do I have to Pay them?

Closing costs are the fees required to finalize your land purchase and, if applicable, your loan. A simple way to think about it: the land price is the asset you’re buying, while closing costs cover the transaction, financing, and legal work needed to officially make the land yours.

Traditionally, closing usually includes title company fees, escrow fees, loan fees, appraisals, and other outside services. These can all add up to between 1-3% of the purchase price, which can often mean thousands of dollars.

Cayetano Development charges a flat fee of $499 in closing costs. No surprises and NO extra charges at the table.

What does the closing cost pay for?

Your closing cost pays for the steps behind the scenes that help make you the owner:

* Preparing the loan documents

* Notary and signing of your legal documents

* Closing documents prepared by a Residential Mortgage Loan Originator (RMLO)

* Recording your purchase with the county

Once the county has officially recorded the necessary documents, Cayetano will provide you with your recorded Warranty Deed and Deed of Trust. Your ownership is not just a handshake and a promise, its rerecorded and verifiable with the county.

If you have questions about your specific closing costs, what they cover, or why they’re necessary, reach out to your sales associate or the Loan Servicing Team. They can review your account and provide a detailed breakdown tailored to your purchase.

Mateo wins GOLD

Big congrats to Mateo for bringing home GOLD this past week at the South Texas Junior Boxing Olympics in Edinburg! 🥇🥊 Another proud moment for Team Cayetano — hard work, discipline, and dedication paying off!

April Closings

Tax Refund Season is in full swing! The Sales Team sold 124 homesites over the month of April - providing quality homesites throughout Texas. After all, it's income tax return season, which means it's the perfect time to invest in owning your own land.

Remember that whether you already own a Cayetano lot or not, you could earn $500 when a friend or family member you refer to us through our Referral Program closes on their lot. Join here: https://lnkd.in/gjaNcgCk. Restrictions apply.

Homestead Tax Exemptions by County

Homestead Tax Exemptions

Reaching out to your local County to get your Homestead Tax Exemption shouldn’t be difficult. We have created this easy to use index including all the counties where Cayetano has developed subdivisions as of today. You, as a landowner, have the right to this property tax exemption, if it is your primary residence.

If you have any further questions after reaching out to your corresponding county, feel free to contact the Cayetano Servicing Center at (956)464-4431. Our team will be able to answer all the tax questions you might still have.

Atascosa County

Please contact the Atascosa County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Atascosa County Appraisal District at 830-569-8326 you can also visit your appraisal district website at Atascosa CAD – Official Site.

Bastrop County

Please contact the Bastrop County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Bastrop County Appraisal District at 512-303-1930 you can also visit your appraisal district website at Bastrop CAD – Official Site – Bastrop, Texas.

Bexar County

Please contact the Bexar County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Bexar County Appraisal District at 210-224-2432 you can also visit your appraisal district website at Bexar Appraisal District – Official Site.

Brazoria County

Please contact the Brazoria County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Brazoria County Appraisal District at 979-849-7984 you can also visit your appraisal district website at The Brazoria County Appraisal District – Official Site.

Caldwell County

Please contact the Caldwell County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Caldwell County Appraisal District at 512-398-5551 you can also visit your appraisal district website at Caldwell County Appraisal District.

Harris County

Please contact the Harris County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Harris County Appraisal District at 713-957-7800 you can also visit your appraisal district website at Harris Central Appraisal District.

Hidalgo County

Please contact the Hidalgo County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2026 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Hidalgo County Appraisal District at 956-381-8466 you can also visit your appraisal district website at Hidalgo CAD – Official Site - Hidalgo County Appraisal District or in person at 4405 S Professional Drive Edinburg, Tx 78539.

Johnson County

Please contact the Johnson County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Johnson County Appraisal District at 817-648-3000 you can also visit your appraisal district website at Central Appraisal District of Johnson County.

Medina County

Please contact the Medina County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Medina County Appraisal District at 830-741-3035 you can also visit your appraisal district website at Medina CAD.

Webb County

Please contact the Webb County Appraisal District to apply for the homestead exemption and update your mailing address to ensure you receive your 2025 appraised value notice in April. Stay informed with your appraisal district to help maximize your property tax savings. For any questions, feel free to reach out to the Webb County Appraisal District at 956-718-4091 you can also visit your appraisal district website at Webb County Appraisal District Website.

Mateo: Nationally Ranked Boxer and Cayetano Resident

Meet Mateo. He is a nationally ranked boxer, and lives in a Cayetano subdivision with his family. The entire Cayetano community is excited to cheer him on in May.

Get your gloves up and lock your land down, the Cayetano way.

Visit www.CayetanoDevelopment.com to find your land, today. 

700 Approved Referrals

Cayetano is celebrating the huge milestone of 700 approved referrals and $350,000 in bonuses given out! 🎉 It’s incredible to see the impact of our network and the trust people place in Cayetano. Here’s to growing together and creating even more opportunities for land ownership ahead.

Remember that whether you already own a Cayetano lot or not, you could earn $500 when a friend or family member you refer to us through our Referral Program closes on their lot. Restrictions apply.

Become a Referral Program Member TODAY:

English: https://www.cayetanodevelopment.com/referral-program

Spanish: https://www.cayetanodevelopment.com/es/programa-de-referidos

Arms of Hope Charity Golf Tournament

Cayetano was a proud sponsor of the Arms of Hope Kerrville Charity Drive Golf Tournament on April 13, 2026. Piri Gomez, Community Manager, represented Cayetano in the tournament.

Arms of Hope is a 501 (c)(3) not-for-profit Christian care organization that supports children and single-mother families in need of assistance. By providing food, clothing, and shelter throughout the state, Arms of Hope relies on donors like Cayetano to help women and children avoid homelessness, poverty, abuse, and neglect. With a faith-based focus, healing is offered in a safe and supportive environment, keeping families together, and children supported.

Thank you, Piri, for representing Cayetano and supporting our community.

Tips for Being a Good Dog Owner

Being a responsible dog owner helps your dog stay happy, healthy, and well-behaved. Proper care, training, and supervision also prevent accidents and reduce stress for your neighbors. When dogs are cared for and under control, communities feel safer and more welcoming for everyone. Good ownership shows respect—not just for your pet, but for the people around you too.

Kyndel Bennett, CEO of Cayetano Development - CEOs You Should Know - Texas Edition, iHeart Media

On this episode of CEOs You Should Know, iHeart Austin Market President, Christine Escobar speaks with Kyndel Bennett, CEO of Cayetano Development, about his journey into real estate development and the mission behind building thoughtful, community-driven projects. Bennett shares insights on leadership, navigating market shifts, and building trust across investors, municipalities, and communities. The conversation also explores redefining success as a CEO and what’s next for Cayetano Development’s growing impact.

Read the whole interview transcript here:

Christine:

Well, hello everyone. My name is Christine Escobar. I'm the market president for the iHeart stations in Austin, and I'm here with Kyndel Bennett, the CEO and founder of Cayetano Development. Hello Kyndel.

Kyndel:

Good afternoon. How are you?

Christine:

I'm great, It's good to have you here.

Kyndel:

Thanks, great to be here.

Christine:

Good deal. So, I just wanted to start off and get an overview from you of what Cayetano does and what your day to day role looks like.

Kyndel:

Sure. So, we develop affordable communities throughout the state of Texas. We're in six markets Dallas, Houston, Austin, San Antonio, the Rio Grande Valley, and Laredo, and our primary mission is to provide land ownership opportunities for our customers.

Christine:

Wow, that's great. What a great service you offer to so many markets as well. So, what made you get into real estate? What drew you to this industry?

Kyndel:

There are a number of things, I guess number one, my father was in the real estate industry in a different role, but he loved real estate and as I started in school, I took some real estate classes, and it resonated with me. And one of the reasons

it did is my very I like tangible things, and I like to be able to see things as they develop. And as I learned more about the real estate industry, I learned that I got to use both sides of my brain. You get to use the right side of your brain. You have to be very creative and how you structure both financial transactions and how you how you developed these communities. But you also have to be very analytical and you

have to really think about the numbers and the economics. And so, to me, it's a lot of fun because every day is different and you really get to get to use, like I said, both sides of your brain.

Christine:

That's great. It's important to do what you love and love what you do. And it sounds like you got into that and you're fulfilling all the buckets.

Kyndel:

Yeah, absolutely.

Christine:

Which is great. So, I know that Cayetano Development emphasizes thoughtful community driven projects. How do you balance profitability while also creating spaces that genuinely improve the communities that you build?

Kyndel:

Sure, that’s a great question. The company was founded with a double bottom line in mind. You know, we have to be profitable for our investors in order to be a sustainable company. But in addition to that, we find it's very important for us to offer an affordable product to our customers. We're one of the few products in the market where they can actually own. Most of our customers are renting, and through our financing products they can own land where they can build their dream home and we balance those two things together. It's not always easy, but I think we've done a great job, and I think our investors would say they're happy with our performance, and I think our customers would too.

Christine:

That's great. It's a win-win.

Kyndel:

Yeah, absolutely.

Christine:

Happy investors, happy community partners.

Kyndel:

Yeah, we're really big into win-wins, and that could be with our customers, or our investors or anybody we deal with, like our vendors. It's important for us that no one feels like they got the short end of the stick.

Christine:

Well, congrats to you on that.

Kyndel:

Thanks.

Christine:

So as a CEO, how would you describe your leadership style?

Kyndel:

It's changed. I guess when I first started the company, I inherited three employees from my father and we're now up to seventy seven. And so, I think you know, when we were small, I was very hands on. I did everything and was a little bit of a control freak, just because I kind of felt like I had to. And as we've grown since 2010, I've had to learn to let go of a lot of things, and I've had to learn to trust; number one, to hire really good

people; number two, to trust their performance. But at the same time verify; make sure that everybody's doing what they say they're going to do. And I think everybody would say that I hold everybody to a very high standard. But I'm the very fair person.

Christine:

It sounds like you're a great person to work for.

Kyndel:

Thanks.

Christine:

I know it is hard sometimes to relinquish that control.

Kyndel:

It is.

Christine:

But to your point, I think they always say hire people smarter than you.

Kyndel:

That's right.

Christine:

So, it sounds like you've done just that.

Kyndel:

Yeah, for sure.

Christine:

Great. So, I know that real estate development is very sensitive to economic styles, especially during the current times that we're sitting in right now. So, what strategies have helped you to stay resilient and to adapt to the shifting cycles in the economy?

Kyndel:

It's a great question. I think as the economy started to slow down, I guess two plus years ago, we made a decision as a senior leadership team that we were not going to lay anybody off, and so we cut some other costs. We've reduced a lot of our starts, took a really strong look at our projections and had to make some hard decisions and put some projects on the shelf that we really wanted to start. But I think because of that, we developed a great sense of loyalty from our employees. I think everybody would say that they're thankful to still be employed. And now that we're we feel like we're starting to come out of some of that softness, and I think it's made for a much stronger team.

Christine:

Well again, I think that makes Cayetano a great place to work and people trust that you have their best interests in mind. So, kudos to you for that as well. So, what is one of the most difficult business decisions that you've had to make as a CEO.

Kyndel:

I think the most difficult decision I have had to make was I had to part ways with one of

my early partners. This was a woman who basically helped me start the company. She was running the operational side, and as the company grew, I would say that the company outgrew her, and after a lot of coaching and discussions, we finally decided that it wasn't going to work. And to sit down and have that discussion with her was very, very hard because she had helped me grow the company to a certain point. But we still keep in touch, and you know, she's doing great, you know, in another life now. And but that was that was really difficult.

Christine:

I know, sometimes it's hard to separate personal and business interests, but sometimes, like they say, business is business, and it's good that you still have that outside of the workplace communication; so that's important. So how do you cultivate a strong company culture in an industry such as yours that I know often involves high pressure, tight timelines, and complex partnerships?

Kyndel:

Yeah, it's a balance. As I mentioned earlier, I would say that number one is the CEO. I feel like I have to lead by example, right? I have to be the one that, you know, makes the hard decisions, that does what I think is in the best interest of the company, regardless of how it affects other people. The company always comes first. I think I one of my skills that I think most people would say that I'm pretty good at is balancing a lot of different things. I like that. To me, it's always been fun. I like to have multiple things on my plate, you know. As an example, I woke up in Houston this morning, I went to do a site visit, I went to the office to do little email work, and here I am now. So, that keeps me in the game and keep me excited because every day is different. And so, I think by having, you know, being able to juggle all the different things that it takes to run a company like this, I think it makes me a pretty effective leader.

Christine:

Well, you sound like the energizer Bunny!

Kyndel:

Thanks!

Christine:

So, good for you. I think that's a compliment. Well, you mentioned earlier how important trust is, and so I know that development relies heavily on trusts with your investors, your communities. How do you approach relationship building as a core business strategy?

Kyndel:

It's a very big component to our business. And you’ve hit the nail in the head. I mean, with our investors, we do what we say we're going to do, and if we have a project that didn't quite do as well as we hope, sometimes we'll even go in and change the economics in their favor just to kind of help make up for some of the some of the misses that we had on our end. I think with our employees, I think everybody would say that, you know, we expect a lot, but we're fair and we're and you know what the expectations are. I think the big thing in general, whether it's with an investor or an employee, or even a customer for that matter, if the expectations are clearly set up front and there's no hidden agenda and you basically just follow through and what you said you were going to do, I think most people are pretty happy with the outcome.

Christine:

Transparency is so key, and I think expectation management really allows your staff, your team, your investors to know that what they give you is going to be their best because you're asking for it and you're setting the tone for what you expect and can't go wrong with that.

Kyndel:

Sure, and we're not perfect. We make mistakes, you know, we're human. But at the same time, I think as long as we're willing to own those mistakes, and as you say, Christine, be transparent. I think everybody's, you know, fine with them.

Christine:

That's great. So, for listeners out there who want to follow a similar path, what advice would you give to entrepreneurs looking to step into leadership roles in real estate?

Kyndel:

I think the most important thing is to follow your passion, whether it's real estate. You know, my son, as I mentioned before we started this interview, is going into film production. That's his passion. You know, my daughter is in politics, that's her passion. Find what really drives you because you're going to spend the majority of your time, you're waking time, in your career, and so find something that really gets you excited, and it won't become work. It'll be fun and you'll get up every day and get to enjoy what you do.

Christine:

That's great. I always like to say do what you love, love what you do. I actually have a sign in my office that says that, and I try to position it just perfectly when I'm on that team's call people to be able to see because I think it is important and it makes what we do fun and enjoyable.

Kyndel:

And it's so true.

Christine:

Glad to hear that, Yeah, that's great. So, how do you personally define success today and has that shifted? You talked a little bit about how when you first started with three employees to how you grew to the number that you're at now. How has that shifted in your time at Cayetano?

Kyndel:

The answer to that question depends on which point of the which frame of reference you're talking about. I think there's success with our investors, and to me, that's them being happy with our performance. And that could be financial performance, it could be reporting performance. You know, when I meet with our investors and they say, hey, you know what you guys do, the way you report that your financial results compared to your peers is you know, substantially better. That makes that makes me feel like we're

doing our job because the buck really starts with them. Our business is very capital intensive, and I tell people our cap capital is our food, right? If we don't have capital, we can't survive. We can't do what we do. And all our employees know that, and so it's very important to me that our investors are happy with us. You know, when it comes to employees, I want people to enjoy their job. You're not going to love every single day of every single week. But for the most part, I think people like working for the company. I think people are very proud of the mission and the work that we do because we're helping people own land. And, as I think most people know, one of the biggest ways to create wealth in the United States is through home ownership, and so we're allowing that to happen for people who have very limited options in doing that.

Christine:

Well, that's great. I think that a lot of times when we report to work, we wonder are we really impacting lives? Are we helping individuals grow to the next chapter? And certainly, are doing that at Cayetano.

Kyndel:

And we try too with our employees. We really try to help our employees grow within the company. You know, as an example of our regional sales director, Oriana Reyes, has been with us for I don't know, almost ten years now. She started off as a receptionist and she went from a receptionist, she worked in sales and then was an area manager. Now she's a regional manager and that's one example of many. We really try to get people an opportunity to grow within the company and increase your skill sets. I think it helps people be happy in what they're doing.

Christine:

Absolutely. Well, investing in your team is important and I always say people are one of the most important things, if not the most important thing about an industry, about a team, about a company. So, it certainly sounds like Cayetano Development is doing things right.

Kyndel:

For sure. It takes you know, everything we do, whether it's sales, marketing, investor relations, accounting, the servicing department. You know, everybody has to work together, and it really takes a team effort to really make it all happen.

Christine:

It takes a village. So, finally, what's next for Cayetano Development? What excites you the most about the road ahead?

Kyndel:

You know, I think right now coming out of this soft economy, we want to strengthen the markets that we're in. I think we are very strong in some of the markets we've been in a long time. And those two markets I would say are the Rio Grande Valley, which we where we started, and Austin. We've been in those markets the longest. The other four markets that were in we want them to be just as strong as the Valley and Austin. I think that's going to take a couple of years. So, from that standpoint, that's probably going to be our focus for the next couple of years, and then from there, who knows. You know, I think we've talked about going out of state, going to other markets. You know, our business revolves around developing communities close to job growth, and I think we're in the six biggest job growth markets in Texas, and so you know, maybe we look at other smaller markets, but my guess is we would probably entertain going to different states where there's demand, I think, for our product just as much as there is in Texas.

Christine:

Well, growth is good.

Kyndel:

Yeah, you either grow or you die, right?

Christine:

This is very true. Well, it's been a pleasure Kyndel getting to chat with you, and I'm eager about the growth beyond Texas and look forward to chatting with you more in the future.

Kyndel:

Thanks Christine, I really appreciate it.

Christine:

Thank you.

What is a Fixed Interest Rate and How Does it Help Me?

When you buy a house, land, car, or personal loan, you’ll likely borrow money. Borrowing money usually comes with interest. Once common type (and the kind that Cayetano uses) is a fixed interest rate, and it’s exactly what it sounds like: a rate that stays the same over time.

With a fixed interest rate, the percentage you’re charge doesn’t change for the entire term of the loan. That means your monthly payments remain the same from start to finish. If you purchase land from Cayetano, your interest rate remains the same whether market rates go up or down.

A fixed interest rate is a great option if you value consistency and want to avoid risk. It’s especially popular for long-term loans like mortgages, where stable, predictable payments can make a big difference over time

Restrictions: What Are They and Why Do They Matter?

When you purchase a lot, you’re not just buying land—you’re becoming part of a community. One of the key elements that keeps our neighborhoods attractive, functional, and valuable over time is a clear set of neighborhood restrictions.

These guidelines are designed to protect you. By maintaining consistent standards across each residential development, Cayetano helps preserve property values and ensures that every neighborhood remains well-kept and cohesive.

Rather than limiting your freedom, these restrictions provide structure and predictability. They help prevent issues that could negatively impact your investment—like incompatible construction or neglected properties—and instead promote a sense of pride, order, and long-term stability.

In the end, it’s less about control and more about creating communities that feel intentional, welcoming, and built to last—something every homeowner benefits from.

Which Lots are Available for Purchase?

Buying the right parcel of land for your family is one of the most important choices that can be made. Luckily, Cayetano has made it as easy as possible for you to choose your lot, ensuring that you are in the most ideal location for you.

On the Cayetano website’s navigation bar, www.CayetanoDevelopment.com, when you click on “Find your Lot” you will see a drop down menu with all the different markets where Cayetano currently has subdivisions with lots for sale. Simply choose your market, and you will be taken to the list of currently available subdivisions, from there you can click the name of the subdivision you are interested in.

Once you get to the page of your desired subdivision, a map will show up with orange and blue parcels of land. These are updated in real time, meaning you will always have the most up-to-date information on what lots are available. If the lot is orange, it is available for purchase. If the lot is blue, someone has already purchased it. Say hello to your new neighbors!

As always, contact your sales rep directly if you have any questions on whether the land you want to purchase is available or not.

Austin Sales Center: (512)722-4337

Donna Sales Center: (956)322-4272

Houston Sales Center: (832) 717-2828

Fort Worth Sales Center: (469)977-1150

Dallas Sales Center: (469)868-4545

Laredo Sales Center: (956)584-2284

February Closings

The Sales Team sold 105 lots in February, what a great way to start 2026! Welcome to the Cayetano Family. With Tax Refund Season coming up, now is a great time to invest your refund on your own land.

Remember that whether you already own a Cayetano lot or not, you could earn $500 when a friend or family member you refer to us through our Referral Program closes on their lot. Join here: https://www.cayetanodevelopment.com/referral-program. Restrictions apply.

650 Approved Referrals

🚨Milestone Alert 🚨 We have paid $32,500 to 650 of our Referral Program Members. This could be YOU!🫵🏼 Sign up to become a Referral Program Member with the link below, share your code, and earn $500 upon closing 💰. That’s right, it’s that easy. More money in your pocket, means for flexibility for you and your family. ✅

Become a Referral Program Member TODAY:

English: https://www.cayetanodevelopment.com/referral-program

Spanish: https://www.cayetanodevelopment.com/es/programa-de-referidos

What is an Additional Principal Payment and How Can it Help Me?

Before you read, here are a few terms that might be helpful to your understanding:

* Principal (the amount you borrowed)

* Interest (the cost of borrowing)

Cayetano provides customers with an open contract mortgage. But what does this mean? An open contract mortgage means that you are allowed to make extra payments that go towards your loan WITHOUT penalty. In a traditional mortgage, extra payments can hurt you and your credit score in the long run.

An additional principal payment is any extra money that you choose to apply directly to the balance of your loan. This payment does not go towards interest or any future payments; it goes straight to reducing your principal amount. That means the actual amount of money you borrowed goes down quicker and a reduction of the total dollar amount in interest that you will end up paying.

Overall, if you are looking to pay off your loan sooner than the original time frame, making additional principal payments will be beneficial to you.

Our Servicing Team is always here to help you with any questions that might come up throughout the duration of your loan. Feel free to call or email them at any time!

Servicing Team contact information:

helpdesk@cayetanodevelopment.com

(956)464-4431

How does my mortgage payment work?

Congratulations on your new land! Understanding how your mortgage payments work can make the experience a lot less intimidating. There is a few key terms that you need to know in order for everything else to make sense:

1. Principal – this is the amount of money that you actually borrowed. Every month, a portion of your payment goes towards this balance.

2. Interest – this is the cost of borrowing the money. It’s a calculated as a percentage of your remaining loan balance. It’s important to note that early in your loan, a larger portion of your payment goes towards interest. This is because your principal amount is larger.

3. Taxes – Depending on which subdivision you currently live in, Cayetano might collect property taxes as part of your monthly payment. These funds are held in an escrow account, meaning they are not used for anything other than paying off your property taxes when due on January 31st every year.

Once consistent payments have been made, the overall balance of the loan decreases, which makes the interest shrink. That means more of your payment will go toward the principal amount. Since Cayetano offers on an open contract, you are able to make extra payments towards your loan in order to pay it off sooner. Paying off your mortgage sooner means that ultimately you would pay less interest.

Understanding your mortgage helps you plan smarter and build equity faster. The more you know about where your money is going each month, the more confident you will feel in your investment. Our Loan Servicing Team is always available to help you with any questions that might come up during the lifetime of your loan. The phone number to the Servicing office is: (956)464-4331.

Below is an image with information on what the Loan Servicing Team can help you with.

January Closings

The Sales Team sold 109 lots in January, what a great way to start 2026! Welcome to the Cayetano Family. With Tax Refund Season coming up, now is a great time to invest your refund on your own land.

Remember that whether you already own a Cayetano lot or not, you could earn $500 when a friend or family member you refer to us through our Referral Program closes on their lot. Join here: https://www.cayetanodevelopment.com/referral-program. Restrictions apply.

Now Hiring! Community Engagement Specialist

Cayetano is hiring a full-time Community Engagement Specialist, to be based out of our Dallas Sales Center in Kaufman, TX. Below is a little bit more information about this role, if you or someone you know would be a good fit, we encourage you to apply.

Link to Apply: https://www.cayetanodevelopment.com/career-listings/community-engagement-specialis-dfw

Job Description

Our marketing department is seeking a Community Engagement Specialist to join the Cayetano Development team to support and grow our presence in the Dallas-Fort Worth Area. Reporting directly to our VP of Marketing, you will lead community engagement initiatives, represent the company at local events, and build strong relationships with partners and residents. The position is based out of our Dallas Sales Center in Kaufman, Texas, with approximately 60% of your time invested in the Dallas metropolitan area and 40% in the Fort Worth metropolitan area.

Experience, Education, Skill Requirements

·       Some college coursework in marketing, advertising, communications, business or related field, or equivalent practical experience

·       Fully bilingual (English/Spanish) - spoken and written

·       1-3 years of previous experience in similar role (real estate experience, a plus)

·       Proficiency in Microsoft 365 (Word, Excel, PowerPoint, Outlook)

·       Familiarity with:

o   Social Media Platforms (Facebook, Instagram, TikTok, WhatsApp)

o   Event planning and coordination

o   Representing a company or organization at community events

·       Demonstrated experience managing relationships with business partners and customers

·       Willingness to work evenings and weekends to attend community events

Abilities

·       Excellent verbal and written communication, with strong interpersonal & follow-up abilities

·       Strong organizational skills and the ability to multitask effectively

·       Self-motivated, with the ability to build positive working relationships with coworkers and business partners

·       High attention to detail and solid problem-solving skills

·       Proactive, able to work independently, and skilled in prioritizing tasks

·       Curious mindset with a strong willingness to learn and grow

Compensation Structure

·       Base Salary + Monthly Success Bonus

o   The success bonus is tied to goals achieved in several engagement/outreach categories including event participation, business/partner visits, social media activity, and lead generation.

December Closings

The Sales Team had another great month! 78 homesites were sold in the month of December, giving Texans just enough time to end the year as landowners!

Remember that whether you already own a Cayetano lot or not, you could earn $500 when a friend or family member you refer to us through our Referral Program closes on their lot. Join here: https://lnkd.in/gjaNcgCk. Restrictions apply.

What is an Open Contract?

An open contract—sometimes referred to as an open mortgage—is a loan agreement that provides the borrower with full flexibility to pay off the entire balance or make additional principal payments at any time, without incurring prepayment penalties. This structure enables borrowers to reduce interest costs and pay off their loan early without extra fees.

By contrast, a typical bank-financed mortgage, known as a closed mortgage, locks the borrower into a defined term and payment schedule. Early repayment is generally not permitted, and any prepayment can trigger substantial penalties.

To learn more about the differences between open and closed contracts, visit:
https://legal-resources.uslegalforms.com/o/open-mortgage