Mortgage Services & Home Loans by Location

Frequently asked questions about Mortgage Services by Location

• Which states does Arnaiz Mortgage serve?

  Arnaiz Mortgage serves homebuyers, homeowners, and investors in Arizona, Texas, California, and Colorado. Our Arizona coverage spans Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, and the surrounding communities. In Texas, we work with clients in Dallas, Houston, San Antonio, Fort Worth, Austin, and El Paso. California clients come from San Diego, Los Angeles, Fresno, Riverside, and Sacramento. In Colorado, we help borrowers in Denver, Colorado Springs, Aurora, Fort Collins, and Lakewood.

• What types of home loans can I get?

  We offer conventional loans, FHA loans, VA loans, renovation loans, DSCR loans, and reverse mortgages in every state we serve. Tyler Arnaiz and the team compare your options and explain how each program fits your budget, timeline, and long-term goals.

• What credit score do I need to qualify?

  Minimum scores vary by program. FHA loans start at a 580 credit score, and conventional loans start at 620. Bank statement loans and DSCR loans both require a 640. VA loans have no government-set minimum, though individual lenders set their own standards. Your score is one factor among several, including income, assets, and debt. If your score falls below these ranges, contact Tyler directly to talk through your situation and your next steps.

• Do I need a large down payment?

  Not always. Many programs allow a down payment well under 20 percent, and VA loans can offer no down payment for eligible veterans. Down payment assistance programs may also help in your state. Tyler reviews which options fit your situation and shows you how different down payment amounts change your monthly payment. You can also estimate your numbers with our mortgage payment calculator.

• Can veterans and active-duty service members use their VA benefits?

  Yes. Eligible veterans, service members, and some surviving spouses can use VA loan benefits in all four states we serve. Arizona, Texas, California, and Colorado all have strong military communities, and our team helps you confirm your eligibility and gather the right paperwork.

• Can I get a mortgage if I am self-employed?

  Yes. Bank statement loans let self-employed borrowers qualify using their business or personal bank deposits instead of traditional tax returns. These loans require a minimum credit score of 640. Tyler reviews your income documentation and explains which program gives you the strongest path to approval.

• Do you help real estate investors?

  Yes. Investors often choose DSCR loans, which evaluate a rental property’s income instead of your personal income. This approach helps investors in fast-growing markets such as Phoenix, Dallas, Austin, and Denver expand their portfolios. Our team walks you through the requirements and compares options across multiple lenders.

• Can I refinance my current mortgage?

  Yes. Homeowners refinance to change their loan term, adjust their monthly payment, or tap into home equity. Our refinance options include rate-and-term and cash-out refinancing. Tyler reviews your current loan and explains whether refinancing fits your goals, including how closing costs affect your savings over time.

• How long does the mortgage process take?

  Many of our clients close within 30 days, though your timeline depends on your loan type, property, and how quickly you return documents. Tyler keeps you informed at every stage, from application through closing, so you always know what comes next.

• Can I get a personalized quote without committing to a loan?

  Yes. A quote gives you a clear picture of your options with no pressure. Rates and terms depend on your credit profile, loan program, and market conditions, so Tyler tailors every quote to your situation. You can contact Tyler to request yours or to schedule a free consultation.