Fast Mortgage Closes, Zero Runaround

Arizona-based mortgage broker closing loans in 10-15 days. VA loans, FHA, and investor financing with better rates than big banks.

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Arizona-based mortgage broker specializing in VA, FHA, and investment property financing

VA home loan services for veterans
VA Home Loans

IRRRL refinance, cash-out, and purchase loans for veterans. Fast closes, competitive rates, no BS.

First-time homebuyer with FHA loan approval
First-Time Homebuyers

FHA and conventional loans with 3.5% down. We'll guide you through every step - no confusing jargon.

Real estate investor reviewing property portfolio
Real Estate Investors

DSCR and Non-QM loans for growing your portfolio. We speak your language and move at investor speed.

Homeowner refinancing mortgage to lower rate
Refinancing

Lower your rate or access your equity. We close refinances in 10 business days - 3x faster than big banks.

Mortgage consultation with True Mortgages Client signing digital mortgage documents Happy homeowners after closing

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True Mortgages office in Tempe, Arizona

How to Reach Us

We respond the same day. Whether you prefer phone, text, or email - we'll get back to you quickly with honest answers.

Our office is in Tempe, Arizona, but 95% of our process is digital. You can close from anywhere without printing a single document. E-signatures, emailed documents, no paper shuffling.

Not sure which loan type fits your situation? That's exactly what we're here to figure out. Call or text and we'll talk through your options - no pressure, just information.

  • Call or text: (480) 289-1725
  • Email: xalcala09@gmail.com
  • Office: Tempe, Arizona
  • Licensed in Arizona and California
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Client speaking with loan officer on phone

Digital mortgage application on laptop

What Happens When You Reach Out

We're not going to put you into a machine and forget about you. Here's what the process actually looks like.

We'll talk through your situation - what you're trying to accomplish, your timeline, and which loan types might fit. This usually takes 10-15 minutes. No hard sell, no commitment required.

See Our Services

Loan Products Built for Your Situation

Whether you're a veteran, first-time buyer, or real estate investor, we have financing options that work.

FHA cash-out and streamline refinance options for homeowners
FHA Cash-Out and Streamline Refinance

We know VA loans inside out. IRRRL streamline refinance, VA cash-out, VA purchase - we handle them all. Fast closes, straight talk, no runaround.

  • Close refinances in 10 business days
  • No appraisal needed on IRRRL streamlines
  • Cash-out up to 100% of home value
Learn About VA Loans
FHA purchase loans for first-time homebuyers with low down payment
FHA Purchase Loan

Buying your first home can feel overwhelming. We'll guide you through every step, explain what's happening and why, and make sure you understand your options. No confusing jargon.

  • 580 credit score minimum for FHA
  • Gift funds allowed for down payment
  • Down payment assistance programs available
First-Time Buyer Guide
VA cash-out refinance for veterans accessing home equity
VA Cash-Out Refinance

Veterans can borrow up to 100% of home value with no PMI. Use cash for debt consolidation, home improvements, or investments. Replaces any existing loan.

  • Qualify based on property income, not personal income
  • Close in LLC or personal name
  • Portfolio building without DTI constraints
Learn About VA Loans
DSCR investment property loans for real estate investors
DSCR Investor Loans

DSCR loans qualify based on property income, not personal income. Perfect for investors with multiple properties or complex tax returns. Close in LLC or personal name.

  • No personal income verification required
  • Qualify based on property's rental income vs mortgage payment
  • Portfolio building without DTI constraints
Talk to an Investor Specialist

Why Clients Choose True Mortgages

We're not a big bank. You'll work with the same team throughout your loan, get same-day responses, and close in half the time.

Close 3x Faster Than Big Banks

We close refinances in 10 business days and purchases in 10-15 days. Big banks take 30-45 days.

  • Streamlined digital process - no paper shuffling
  • Strong lender relationships for quick underwriting
  • Dedicated team - no bouncing between departments

Better Rates Than Big Banks

As an independent broker, we shop multiple wholesale lenders to find you the optimal rate and terms.

  • Access to dozens of lenders, not just one bank's products
  • Wholesale pricing - lower than retail bank rates
  • No corporate profit margins to feed

Relationship Doesn't End at Closing

Most loan officers disappear after closing. We stay available for questions, future refinances, and referrals.

  • Same-day response commitment - no waiting days for callbacks
  • Honest communication even when news isn't great
  • Call us years later - we'll still be here

We close refinances in 10 business days on average and purchases in 10-15 days. That's 3x faster than big banks, which typically take 30-45 days. If you have a tight timeline, let us know - we've closed purchases in as little as two weeks.

Office Location & Hours

Our office is in Tempe, Arizona, but we work with clients throughout Arizona and California. Most communication happens via phone, text, and email.

True Mortgages office building in Tempe

Client using laptop for digital mortgage process

Mobile phone with mortgage documents

E-signature screen on tablet

We're based in Tempe, Arizona. While we're happy to meet in person if you're local, 95% of our clients complete their entire loan digitally without visiting an office.

Common Questions Before Reaching Out

Here are answers to questions people usually ask before contacting us. If your question isn't here, call or text - we'll get back to you the same day.

It depends on the loan type. FHA loans can go as low as 580 (sometimes 500 with larger down payment). VA loans are more flexible on credit. Conventional typically needs 620+. DSCR/investor loans focus more on property cash flow than credit.

Closing costs vary by loan type and amount, typically 2-5% of the loan. The key difference with True Mortgages: we show you exact costs upfront, day one. No surprises at closing.

It depends on your current rate, loan balance, and goals. Rule of thumb: if you can drop your rate by 0.5-1% or more, it's usually worth exploring. We'll run your numbers and show you exactly what you'd save monthly and over the life of the loan.

We'll talk through your situation - usually takes 10-15 minutes. If you want to move forward, we'll complete a quick application to pull your credit and verify income. This gives us exact numbers to work with and gets you pre-approved if you're buying.

Loan officer answering client questions on phone

What Clients Say

Real feedback from clients who've closed loans with us.

"Xavier has truly overdelivered. Not only securing the best rates, but also providing top-tier service, clear guidance throughout the process, and some of the fastest closings I've ever heard of, around two weeks in my occasion."
Andrew Jimenez Two home purchases
"As a first-time homebuyer, I expected the process to be overwhelming, but Xavier made everything smooth and straightforward."
Javy M First-time homebuyer
"Xavier helped me with the purchase of my primary residence and later with a DSCR loan for an investment property. Both transactions were smooth, transparent, and handled professionally from start to finish."
DEEP V Purchase + DSCR investment property
"Top tier service and attention to detail! Xavier has completed two refinances, one on primary home and secondary home on a condo. Great communication and efforts to get the loans done smoothly and promptly."
Luis Chavez Two refinances (primary + condo)
"I had an incredible experience working with Xavier to refinance my home. He was professional, communicative, and made the entire process seamless."
John Refinance
"Super thankful for Xavy's help with our mortgage! Made the transaction very stress-free and simple. Definitely recommend!"
Andrea Mortgage client

Frequently Asked Questions

Have a question we didn't answer? Call us - we respond same day.

What credit score do I need to get a mortgage?

FHA loans can go as low as 580 (sometimes 500 with larger down payment). VA loans are more flexible on credit. Conventional typically needs 620+. DSCR investor loans focus more on property cash flow than credit.

  • FHA: 580+ credit score
  • Conventional: 620+ typically
How fast can you close my loan?

On average, we close refinances in 10 business days and purchases in 10-15 days. That's 2-3x faster than big banks, which typically take 30-45 days. If you have a tight timeline, let us know.

  • Refinances: 10 business days
  • Purchases: 10-15 days
Is refinancing worth it right now?

As an independent broker with wholesale lender access, we offer better rates than big banks stuck with retail pricing. Lower overhead and no corporate profit margins to feed means savings get passed to you.

  • Wholesale lender access
  • Lower overhead than banks
What states do you serve?

It depends on your current rate, loan balance, and goals. The rule of thumb: if you can drop your rate by 0.5-1% or more, it's usually worth exploring. We'll run your numbers and show you exactly what you'd save.

  • Rate drop of 0.5-1%+ usually worth it
  • We'll run your exact numbers
What makes True Mortgages different from big banks?

True Mortgages is currently licensed in Arizona and California. Our office is in Tempe, Arizona, but 95% of our process is digital - you can close from anywhere without printing a single document.

  • Licensed in AZ and CA
  • 95% digital process
Do you work with clients outside Arizona?

Three things: Speed, pricing, and partnership. We close loans 2-3x faster than banks. As an independent broker, we shop multiple lenders to get you better rates. And we treat you as a long-term partner, not a one-time transaction.

  • 2-3x faster than banks
  • Better rates as independent broker

Still have questions? Let's talk through your options - no pressure, just honest answers.

Contact Us

Talk to Xavier — Same Day Response

Arizona-based. Closes in 10-15 days. Call or fill out the form below.

Call (480) 289-1725 (480) 780-3985