
Mr. Castellanos’ lending philosophy is rooted in the same principles that have driven his success in real estate: strategic investment in well-capitalized assets in prime locations. He prioritizes lending opportunities that offer consistent, reliable returns, ensuring security for investors and liquidity for borrowers.
Beyond his business ventures, Mr. Castellanos served on the Board of Directors for Lighthouse Bank (NASDAQ: LGHT) for seven years before its acquisition by Santa Cruz County Bank in 2019. He is actively involved in shaping the future of real estate education as a member of the Real Estate Curriculum Options Advisory Board at Santa Clara University’s Leavey School of Business. Additionally, he serves on the Board of Directors for the San Jose Police Foundation, supporting initiatives that strengthen community-police relations.

In addition to his business activities, over the past 8 years, Carrick has successfully invested in a diverse range of properties, including Single-Family Residences (SFR), Multi-family properties, Office spaces, and a Hotel. Carrick is an active alumnus of Santa Clara University, where he earned his degree in Finance with an emphasis in Real Estate. While at Santa Clara, he founded the university's Real Estate Association and currently serves on its Real Estate Advisory Board.

Joe is a member of the American Association of Private Lenders where he has become a Certified Private Lender Associate. His approach to lending is rooted in responsible underwriting, favoring conservative loan structure that protects both capital and risk-adjusted returns. Joe believes that transparency and communication with borrowers and investors are central to fostering trust and success throughout the lending process. Additionally, Joe has earned his degree from California Polytechnic State University, San Luis Obispo where he studied Business and Finance.

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