Most Current 30 Day Pay Stubs
Your most recent pay stubs from the last 30 days to verify current income.
Turning Homeownership Dreams Into Reality
Personalized mortgage solutions for first-time buyers and real estate investors
Free Expert Consultation
Why Choose Art
Your Trusted Mortgage Loan Originator
- Personalized Loan Strategies
Every buyer is different. Art tailors each loan to your goals, finances, and timeline. - Bilingual Guidance (English & Spanish)
Clear communication every step of the way. - Experience You Can Trust
Over a decade helping first-time buyers, investors, and high-net-worth clients. - Fast, Smooth Process
From pre-approval to closing, Art keeps everything efficient and transparent.
How the Mortgage Process Works
Clear steps, expert support, and no surprises along the way.
1
Submit Your Application
2
Options Review
3
Pre-Approval
4
Underwriting
5
Closing Day
Here’s What You’ll Need to Begin
W-2 Forms
Copies of your W-2 tax forms
2 Months of Bank Statements
The most recent two months of statements for every bank account you have.
Picture ID(s)
A valid government-issued photo ID (driver’s license, state ID, or passport).
What Our Clients Are Saying
Hear From Clients Who Turned Their Goals Into Keys
Discover how Art’s personalized approach, clear communication, and strategic guidance helped clients secure the financing they needed smoothly and confidently.
Licensed. Certified. Trusted.
Duchicela Galvez
We were referred to Art during a tough 2023 market. Though we initially paused our search, Art’s foresight in preparing our paperwork allowed us to jump on a surprise opportunity in early 2024. Thanks to his proactive work, we opened escrow immediately and closed before rates climbed further. For a professional, trustworthy and communicative team that prioritizes your best interests, look no further than Art!
Katherine Megaloudis
Art is the best! My husband and I are very different but there was no stress in the whole process. You will never doubt Art’s loyalty in the home buying process. He takes time to educate instead of just presenting solutions. We will be back for more help soon! Katie & Chris
Joe Corona
Great site! So easy to navigate. Art and his team are the best in the business. Definitely recommend them.
Amanda Lorja
As first-time homebuyers, my husband and I were nervous about the process, but Arturo made everything so smooth and easy. He was incredibly knowledgeable, always patient, and quick to answer all of our questions. His guidance and support made what could have been overwhelming completely stress free. We are so grateful for his help in getting us approved and into our first home, and we would highly recommend him to anyone looking for a trusted and experienced mortgage lender.
7 Days Ago
Turning Applications Into Celebrations
FAQ
Frequently Asked Questions
Helping You Decide with Confidence
What documents do I need to start my loan application?
You’ll typically need proof of income, tax returns, bank statements, ID, and employment details.
If you’re self-employed, additional documentation may be required.
How long does the mortgage approval process take?
A pre-approval can be completed in 24–48 hours.
Closing on a loan usually takes 21–30 days, depending on the loan type and how quickly documents are provided.
What's the difference between pre-qualification and pre-approval?
Pre-qualification: An estimate based on the information you provide.
Pre-approval: A full verification of credit and income, making your offer stronger when buying a home.
What credit score do I need to qualify?
It depends on the loan program:
FHA: 580+
Conventional: 620+
Investment & specialty programs: Vary by lender
How much do I need for a down payment?
Minimum down payments vary by loan:
3% Conventional
3.5% FHA
0% VA (for eligible buyers)
Investment properties typically require 15–20% down.
Can I buy a home if I’m self-employed?
Absolutely. There are special programs such as bank-statement loans and flexible income documentation options for business owners.
Can I buy a home without U.S. credit history?
Yes. I offer Foreign National Loans designed for buyers without a U.S. credit profile.
Let’s Connect
Your homeownership journey starts with a conversation. Reach out anytime.
Service
Investment Property Loans
Refinance Options
2088 Otay Lakes Rd #201, Chula Vista, CA 91915
Art@wcmlending.net
(619) 414-3059
Licensing & Compliance
Silver Star Mtg Corp dba Western Capital Mortgage NMLS #1916128
Equal Housing Lender Statement
Equal Housing Lender.
We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, disability, familial status, age, receipt of public assistance income, or exercise of rights under the Consumer Credit Protection Act.
Not a Commitment to Lend
This website is for informational purposes only and does not constitute a commitment to lend or extend credit. All loan programs, terms, and interest rates are subject to change without notice. All loans are subject to credit approval, underwriting guidelines, and property eligibility.
APR / Terms Disclosure
Any mortgage interest rates displayed are sample rates for illustrative purposes only. Actual rates, APR, and payment amounts may vary based on credit score, loan amount, occupancy, loan-to-value, documentation type, and other factors.
Privacy Policy
We respect your privacy. Any personal information submitted through this website is used solely to assist you with mortgage services. We do not sell or share your information with third parties except as required to process your loan application or as permitted by law. We maintain physical, electronic, and procedural safeguards to protect your information.
Silver Star Mtg Corp dba Western Capital Mortgage • NMLS #1916128 • Licensed by the California DFPI under the California Financing Law | • Art Aguirre NMLS #927372 • Authorized to conduct business in the state of California | Western Capital Mortgage is a DBA of Silver Star Mtg Corp.