Buying your first home is exciting but it can also feel overwhelming. I help first time buyers navigate the entire mortgage process with clarity, confidence, and step by step support.
Anyone purchasing their first home who wants:
✔ transparent guidance
✔ simple explanations
✔ a stress-free process
✔ confidence in every decision
✔ someone who actually walks them through every step
A customized review of your finances, goals, and loan options to help you buy within your ideal budget.
Simple breakdown of FHA, Conventional, VA, and specialty programs with clear payment scenarios.
Support with low-down-payment options, assistance programs, and tips to strengthen your credit.
Quick online application, rapid pre-approval letter, and seamless communication for your home search.
Professional soccer players compete at the highest level of the game, where discipline, preparation, and intelligent decision-making are part of their daily routine. Every match demands focus. Every training session requires commitment. Every contract and career move involves careful evaluation. Success at that level is never accidental it is the result of strategy, teamwork, and trusted guidance.
That is why professional athletes have trusted our team to guide them through the mortgage process with confidence and peace of mind. We understand the specific financial profiles and time sensitive demands that often come with professional sports careers. Our approach is built on personalized attention, strategic planning, and a commitment to making every step straightforward and efficient.
We take the time to explain options clearly, answer questions thoroughly, and design loan strategies that align with each client’s short term needs and long term vision. We believe informed decisions are powerful decisions. There is no pressure, no rushed choices only thoughtful guidance designed to protect our clients’ interests and position them for success.
Because the right loan is more than a rate or a number. It starts with the right guidance, the right team, and a process built on trust.





Helping You Decide with Confidence
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.
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.
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.
It depends on the loan program:
FHA: 580+
Conventional: 620+
Investment & specialty programs: Vary by lender
Minimum down payments vary by loan:
3% Conventional
3.5% FHA
0% VA (for eligible buyers)
Investment properties typically require 15–20% down.
Absolutely. There are special programs such as bank-statement loans and flexible income documentation options for business owners.
Yes. I offer Foreign National Loans designed for buyers without a U.S. credit profile.
Your homeownership journey starts with a conversation. Reach out anytime.
Investment Property Loans
Refinance Options
2088 Otay Lakes Rd #201, Chula Vista, CA 91915
Art@wcmlending.net
(619) 414-3059
Silver Star Mtg Corp dba Western Capital Mortgage NMLS #1916128
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.
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.
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.
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.