Bluecastle Lending, Realty & Title is owned by the same owner. For FHA & VA loans, we could credit you up to 3.5% for your settlement charges, not charge you origination charges (usually 1% of the loan amount) and exclude you from paying underwriting fees at closing (usually $1,000.00 to $1,500.00). Additionally, through Bluecastle Realty we often get some settlement charges paid by the seller.