Kelly Arriaza

Kelly Arriaza I believe in the American dream of home ownership & I enjoy making dreams happen one loan at a time. "Equal Housing Lender"

09/02/2026

US Jumbo Mortgage Options Explained

09/01/2026

Breaking down barriers to achieve the American dream: How first-time homeownership is possible
Let’s connect and talk about the latest insights in the industry!

08/31/2026

Reverse Mortgages: 4 Key Checks

How Property Owners Are Using Home Equity to Manage Increasing Household ExpensesWith housing costs up 26% since 2000—fa...
08/29/2026

How Property Owners Are Using Home Equity to Manage Increasing Household Expenses
With housing costs up 26% since 2000—far outpacing most incomes—it’s no surprise that more homeowners are tapping into their home equity to manage rising expenses. I’ve seen many younger clients use this equity to consolidate debt, fund home improvements, refinance, or even build a much-needed emergency fund, all while maintaining that important 20% equity cushion. After 27 years helping buyers navigate the ever-changing mortgage landscape, I can say that understanding your options is the key to using your home’s value wisely. Staying informed empowers you to make decisions that support your financial goals and keep you moving confidently toward the future you envision.
https://www.housing-trends.com/agent-news/kelly-arriaza/1792315-How-Property-Owners-Are-Using-Home-Equity-to-Manage-Increasi

08/26/2026

Are You Missing out Without a Broker?
After 27 years guiding clients through the home-financing maze, I know firsthand the difference a seasoned mortgage broker can make. Unlike banks, brokers have access to a wider range of loan programs—including exclusive and non-public lender offers you simply won’t find elsewhere. I’ve always believed that knowledge is the key to success, and that means understanding all your options based on your unique income, credit profile, deposit, and property type. My commitment is to keep you well-informed and confident as you move toward your dream home. If you ever wonder whether you’re missing out by not working with a broker, remember: the right expertise opens doors others can’t.

08/25/2026

Commercial Real Estate Loan Guide
When it comes to commercial real estate financing, it’s important to know what sets these loans apart from traditional consumer mortgages. Commercial real estate loans typically require a down payment of at least 25% and solid credit. The terms are generally shorter—usually 5 to 10 years—with amortization periods that can stretch up to 25 years. You’ll also find the rates are higher and the approval process comes with a stricter set of guidelines. For properties themselves, SBA 504 loans are often the best fit, while SBA 7(a) loans may not be as ideal for this purpose. My decades in the mortgage industry have taught me that understanding these differences is crucial for anyone considering a commercial investment. Staying up-to-date on every loan option allows me to guide my clients with confidence, no matter how complex the scenario.

08/24/2026

USA Refinance: Costs and Key Thresholds

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5559 S Sossaman Road, Bldg 1 Ste 101
Mesa, AZ
85212

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