A Little More About Art
Buying a home is one of the most important financial decisions you’ll ever make and you shouldn’t have to navigate it alone.
With over 14 years of experience, Art Aguirre has helped first-time homebuyers, real estate investors, foreign nationals, and professional athletes secure the right financing with clarity, confidence, and strategy. His approach is simple: explain every step clearly, remove confusion, and create a mortgage plan that truly fits your life.
Born and raised in San Diego, Art understands the local market and the unique needs of today’s buyers. Having successfully closed 1,000+ loans, he brings real-world experience, integrity, and results to every client relationship.
Beyond mortgages, Art values discipline, balance, and family—principles that guide the way he works with every client.
Father | Runner | Traveler | Food lover
Mentor to new loan officers
English & Spanish speaker
Why Clients Trust Us
Trust- Communication - Guidance
Clients don’t choose us just for competitive loan options they choose us for trust, communication, and guidance. We believe that the best decisions come from understanding, not pressure. That’s why we take the time to listen, educate, and walk our clients through every step of the mortgage process so they feel confident before, during, and after closing. Whether you’re buying your first home or making a strategic investment, our goal is to make the process smooth, transparent, and stress free.
Experience That Makes a Difference
14+ years in the mortgage industry
Background with Wells Fargo, Chase, and Bank of America
Independent mortgage professional since 2021
Leader of a top-performing mortgage team
Over 1,000 successful closings
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.