Your Roadmap to Land Ownership
Not sure where to start the homesite purchasing process? Unsure of how quickly you can move?
Take our NEW quiz “Your Roadmap to Land Ownership” LIVE on our website!
✅ The quiz takes less than 90-seconds to complete.
✅ You get your results immediately.
✅ A Sales Associate will be assigned to help you build your roadmap.
Take our quiz here: https://www.cayetanodevelopment.com/land-ownership-quiz
800 Approved Referrals
Cayetano is proud to announce a major milestone: more than 800 approved referrals through our Referral Program!
The Referral Program has generated more than $400,000 in bonus payments for participating members.
The process is simple. Members refer family, friends, and others who may be interested in land ownership with Cayetano. Once the referred buyer closes on their new homesite, the member receives a $500 referral bonus check by mail.
Every referral helps more hardworking Texans take the step toward land ownership, creating new opportunities to strengthen communities across the state.
Anyone can join and start earning referral bonuses.
Join the Referral Program by visiting: https://www.cayetanodevelopment.com/referral-program
How to Sign In and Make a Payment on the New Payment Platform
Dear Customers, please follow this updated guide to access the new payment portal and perform your monthly payments.
Restriction Management in Our Communities
Cayetano’s Community Management team handles the enforcement of community restrictions, but it’s important for everyone to understand the scope of what they do, and how you - the homeowner - can contribute to keep your community looking good. Visual appearance is the best way to ensure that your property retains and increases the value at which you purchased it.
Our Community Management team primarily focuses on recent communities and those actively being sold. However, if you live in an older Cayetano subdivision, they are always available to assist you with any restriction violations that may be taking place in your community. Just contact our Loan Servicing Office at (956) 464-4431 and share details regarding the situation you are facing.
Here is a list of the most common restriction violations:
1. Residence requirements (one home per property)
2. Prohibited storage
3. Grass maintenance
4. RVs
5. Skirting
6. Trash and illegal dumping
7. Utility violations (double utility connections)
8. Home age requirements
Restriction Violation’s 3-Letter Process:
Our current enforcement process consists of a 3-letter process, with a 30-day compliance period between each notice, giving homeowners the opportunity to address the issue before additional action is taken.
Cayetano’s goal isn’t simply to enforce restrictions. It’s to protect the investment each property owner has made.
Together, we can create and maintain communities that all neighbors are proud to call home and enjoy raising their families.
IMPORTANT TIP FOR LOGGING INTO THE NEW CAYETANO PAYMENT PORTAL
Previously, on the old online borrower portal or on the payment app, your username used to be your BORROWER NUMBER.
On the NEW borrower portal, your username is your ACCOUNT ID - your current loan account number. Your PIN (or password) has not changed.
You can find your ACCOUNT ID on the monthly statement you receive in the mail on the top right-hand corner, under PAYMENT INFORMATION. It is the alphanumeric value to the right of Loan Account:
As always, if you need assistance, you can reach out to our Loan Servicing team by calling (956) 464-4431 or sending an email message to helpdesk@cayetanodevelopment.com.
App not working? Check out the new Payment Portal!
Oh no! My Cayetano App isn’t working!
You’ve come to the right place.
Cayetano has recently switch software to better manage your mortgage payments on your property. Nothing needs to be done on your end; you just get to reap the rewards of having a brand new and easy-to-use payment platform.
Your login information remains the same, but the Cayetano App you might have previously used for payments is no longer available. As you’ve done in the past, simply click the Log In button on the navigation bar of our website. Or you can simply click HERE.
We highly suggest bookmarking this page in your browser for easy access to check your loan balance and make payments.
Below, you will find a downloadable PDF that clearly outlines the process on the new Payment Portal. It’s comprehensive and should address any questions you may have. The Cayetano servicing team is also available for any other questions you may have. You can contact them by emailing helpdesk@cayetanodevelopment.com or calling (956) 464-4431.
Congratulations, Caleb Mata!
⚽🎉 Congratulations, Caleb Mata! 🎉⚽
Cayetano is incredibly proud to sponsor such a talented young athlete! Caleb Mata was scouted to represent the USA and is now competing in the 2026 ISOCUP International Soccer Tournament in Lima, Peru!!
Watching a young athlete from our community earn the opportunity to compete internationally is something truly special. We are incredibly proud to sponsor talented kids like Caleb, who inspire others through their dedication, discipline, and determination.
Your hard work has brought you this far, and we know your future is bright. Thank you for representing our community with pride on the international stage.
From everyone at Cayetano, we wish you the best of luck on today's game against Colombia! Go make unforgettable memories—we'll be cheering for you all the way! 🇺🇸⚽GO CALEB MATA!!
Champions!
The Knights are the Pony World Series Champions! They had an incredible tournament and finished undefeated, winning all five games.
4U Weslaco Thunder Katz Nights
The youth baseball team, 4U Weslaco Thunder Katz Nights, who Cayetano has the privilege of being one of their sponsors, are the Regional Champions, and will be heading to Houston to compete in the World Series. They did so by winning the following tournaments:
- March 22nd: Drips and Dingers 4U Tournament champions
- April 12th: RGV Elevate Tournament 4U champions
- April 24th: Pony 4U Mid-season tournament champions
- May 3rd: USSSA Cinco de Mayo tournament champions
- May 3rd: B24 Cinco de Mayo tournament champions
- May 31st: 3rd annual international World Series champions
- June 27th: Pony South region section champions
- June 27th: Pony South region regional champions
CONGRATULATIONS Nights!
Best of luck to the Nights as they proudly represent the Rio Grande Valley at the World Series! ⚾🏆🎉
June Closings
The Sales Team sold 99 homesites over the month of June - providing quality homesites for everyone to own their own little piece of Texas.
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.
A Benefit from Having an Escrow Account
An escrow account helps spread property tax costs throughout the year by collecting a portion with each monthly mortgage payment. This helps borrowers avoid having to come up with a large lump sum when taxes are due, making budgeting more predictable and reducing the financial burden of those annual bills. If the escrow account ends up with more money than is needed, the borrower may receive a surplus refund. It is especially important for borrowers to have their address up to date with Cayetano so they can receive their escrow surplus refund letters!
These are some of the most common reasons a borrower might receive an escrow surplus:
Homestead exemption is applied: If the borrower qualifies for a homestead exemption, their property taxes may decrease. If the escrow account was collecting based on higher taxes before the exemption, a surplus can accumulate.
Property tax rates decrease: If the local taxing authority lowers tax rates or the property's assessed value decreases, the actual tax bill may be lower than what was estimated for escrow.
The borrower pays taxes directly: If a borrower pays their property taxes out of pocket even though they have an escrow account, the escrow funds set aside for taxes may not be used, resulting in a surplus.
Overcollection based on prior estimates: Escrow payments are based on projected tax. If the estimates are higher than the actual bills, excess funds remain in the account and any excess escrow funds over $50.00 need to be refunded.
Our most recent information shows that the 1,195 loans which are using an escrow account, received an average surplus refund of $523.32.
Borrowers have the following options for their surplus funds:
1. Apply the surplus to their principal balance.
2. Apply the surplus toward future monthly payments
3. Keep the remaining funds in escrow, which may reduce their monthly payment.
4. Request a refund check.
To ensure timely processing of the selected option, borrowers must make sure they are following these requirements:
The surplus letter must be signed by all borrowers listed on the loan.
If the borrower is requesting a refund check, they must provide the physical mailing address - not an email address - where they would like the check sent.
Completed surplus letters may be submitted by either of the following methods:
Mail: Cayetano Development
P.O. Box 365 La Blanca, TX 78558
Email: helpdesk@cayetanodevelopment.com
If borrowers have any questions or concerns, they may contact our office at 956-464-4431. Our Call Center team will be happy to assist them. If additional support is needed, the call will be transferred to the Tax Department for further assistance.
750 Approved Referrals!
Cayetano is celebrating another huge milestone! 750 approved referrals and $375,000 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
Road Owners Association vs. Property Owners Association: What's the Difference?
When you buy a lot in a Cayetano subdivision, you'll notice that some of our communities operate under a Road Owners Association (ROA) a few others have a Property Owners Association (POA), and some have neither.
Here's what that means for you:
A Property Owners Association is a large group that manages shared amenities, enforces deed restrictions, and maintains common areas. That wider scope typically comes with higher monthly dues and more rules around how you use your property.
A Road Owners Association is simpler. Its only job is to keep the roads in the subdivision easy to access and nicely maintained. Owners contribute to a shared fund used for repairs.
While Cayetano communities still have building and deed restrictions in place, ROA exists solely to maintain the roads, not to dictate how you live.
Included Savings on Your Utility Connections
When you’re preparing to move into your new property, the last thing you want is the hassle and expense of setting up essential services. That’s why Move-In Ready Utility Connections are one of the key advantages of choosing a homesite from Cayetano.
Cayetano homesites come with essential utilities—such as water, electricity, and sewer or septic—already in place. Installing these services from scratch can be costly and time-consuming, but as part of Cayetano’s development process, these core connections are taken care of for you ahead of time.
Whether you’re placing a mobile home or building a custom residence, Cayetano lots are designed to be truly move-in ready. This means your property is functional from day one, giving you the flexibility to move in or begin construction without unnecessary delays.
To better understand the upfront savings, here’s an estimate of utility installation costs already included in available subdivisions as of June 2026:
Austin:
Luna Rosa: ~$19,220
La Condesa: ~$25,070
San Antonio:
Las Fincas: ~$21,500
Magnolia: ~$22,680
Dallas–Fort Worth:
Valencia: ~$8,900
Nolan Ranch: ~$20,325
Laredo:
Las Aldeas II: ~$5,230
Rio Grande Valley:
Salamanca: ~$2,200
El Encantado 2: ~$1,845
New Payment Platform
Starting on June 22, 2026, Cayetano will be upgrading its payment platform.
Please visit the following link to learn more: https://www.cayetanodevelopment.com/new-portal-faq.
May Closings
Tax Refund Season is in full swing! The Sales Team sold 117homesites over the month of May - 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.
What are Setbacks and Easements?
When you choose a homesite, you'll want to know where your home and other structures can sit on the property. Understanding the location of Setbacks and Easements will help you with that!
Just a few Key Terms to Know
Property Line:
* The boundary that separates your property from the next property or public space. The corners are marked by property pins driven into the ground.
Setback:
* A preset distance between your property line and where you can place your home or structure. Setbacks are established by the city or county.
Easement:
* A portion of your property that is generally set aside for drainage and utility services. You own the easement area and can use it for many purposes, except for structures and digging.
Setbacks
Setbacks follow city or county planning requirements and apply to each homesite. They help you understand where your home, shed, garage, or other structures can be placed on your property. Setbacks start at your property lines and extend toward the middle of the homesite.
Setbacks exist for several reasons, including:
* Road access and visibility. Front setbacks keep homes positioned back from the roadway for proper visibility when exiting your property.
* Utility access. Setbacks give utility providers adequate space for utility services and accessibility just in case maintenance or service is required.
* Fire safety. Adequate spacing between homes helps prevent fire from spreading from one home to the next in an emergency.
* Drainage. Setbacks leave room for water to drain properly away from your home to help avoid structural issues.
Easements
There are several types of easements, each set aside for a specific purpose. The two you'll see most often handle drainage and utility services.
Drainage Easements keep water flowing in the right direction and at an appropriate pace.
Utility Easements are necessary to bring utility services to your homesite and can still offer plenty of functionality.
Here is what is generally welcome inside a utility easement:
* Grass, mulch, and ground cover
* Low landscaping and flower beds
* Pavers that can be lifted
* Playsets, picnic tables, and above ground BBQ pits and grills
* Some movable storage bins and trash receptacles
* Dog runs and some fencing options
Planning Your Home Placement
When planning the placement of your home, it's important to understand that homesites in the same community can have different setbacks and easements.
Before you finalize your purchase, a Cayetano team member will provide your homesite's dimensions and help you locate your options to place your home.
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.
