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Monday 8:30am - 7pm Tuesday 8:30am - 7pm Wednesday 8:30am - 7pm Thursday 8:30am - 7pm Friday 8:30am - 7pm Saturday 9am - 6pm

Jay Rodriguez, Mortgage Broker NMLS# 902610

Home
United States
Santa Ana, CA
Jay Rodriguez, Mortgage Broker NMLS# 902610

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Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMP ANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV."

11/02/2026

January buyers don't start in January. The ones who get the house start right about now.
After the holidays, listings pick back up and the prepared buyers move first. Here's the 60 day plan I walk clients through.
November: pull all three credit reports, pay card balances down before the statement dates, and dispute anything wrong now, since fixes can take 30 days or more.
Also November: build the folder. Two years of tax returns and W-2s or 1099s, 30 days of pay stubs, two months of bank and asset statements. Self employed? Add a year to date P&L and recent business bank statements.
December: get fully underwritten, not just pre-qualified. And hold off on new cards, car loans or financed furniture until after closing.
January: shop with confidence and write the strong offer.
Self employed, investor, high net worth, complex income? The file decides which program fits, and with 100+ lenders I know where to send it.
If you're a planner, CPA or agent with a client eyeing a January move, send them my way now while there's still time to prep.
Save this one for later.
Whatever your client needs, Jay knows which lender has it.
Jay Rodriguez | Wise Home Lending, powered by Arbor Financial Group | NMLS # 902610

10/29/2026

Tech fell. The Fed held. Buyers caught a break.
Last week, big tech names posted disappointing earnings, investors moved money toward safer bonds, and mortgage rates slipped to their lowest level in about a month. Then on Wednesday, the Fed held rates steady.
But the headline rate is the least interesting part of the story.
Behind every reported average are dozens of lenders, and they don't all pass along a dip the same day or the same way.
That's where the real savings live. Self-employed, investor, high net worth, complex income. The right lender match can be worth more than any weekly dip.
Here's what I'm telling clients this week. In contract? Now is the time to talk locks. Still shopping? Get fully approved while rates sit near the lows.
Know a buyer waiting on the sidelines? Send me the scenario.
Whatever your client needs, Jay knows which lender has it.
Rate movement based on national averages from Mortgage News Daily, as of 10/23/26. Not a rate quote.
Jay Rodriguez | Wise Home Lending, powered by Arbor Financial Group | NMLS # 902610

10/19/2026

Same week. Two buyers. Two very different payments.
Inflation came in hot, and mortgage rates still had their best week since March. For a lot of buyers, that's real money.
An FHA buyer with a $600K loan saw their payment drop about $65 a month. A jumbo buyer with a $1.2M loan saw theirs go up about $33.
Here in Southern California, plenty of buyers are jumbo buyers. Their rate isn't set by the headline. It's set by the lender.
Same buyer, same house, different lender, different payment. That's the part most people never see.
Agents, if you have a buyer on the fence or a jumbo deal in escrow, send me the scenario. Whatever your client needs, I know which lender has it.
Payment changes are 30 year principal and interest, based on Mortgage News Daily national averages from 10/9/26 to 10/16/26 (FHA 7.15% to 6.99%, jumbo 7.63% to 7.67%). Not a rate quote.
Jay Rodriguez | Wise Home Lending, powered by Arbor Financial Group | NMLS # 902610

10/05/2026

Quick market note from last week.
The jobs report came in much weaker than expected on Friday, and a lot of people figured rates would drop. They didn't. The market is watching unemployment more closely now, and it held steady.
What caught my eye: the 30 year fixed average went up all week, but the 7/6 SOFR ARM average didn't budge. Same market, very different numbers depending on the loan.
That's why I never stop at the headline rate. With 100+ lenders to choose from, the right fit for a self-employed borrower, an investor, or a family planning to move in a few years can look very different from what you see online.
If you or someone you know is weighing a purchase or refinance, send me a message. Happy to walk through the options.
Whatever your client needs, Jay knows which lender has it.
National averages, Mortgage News Daily, as of 10/2/26. Not a rate quote.

09/28/2026

Everyone's watching rates. I'm watching lenders.

Rates jumped about a quarter point this week, and the 30 year fixed average hit 7.43%. The trigger was a business activity report that almost never moves markets.

But here's what the headlines skip. On the same day, in the same market, national averages across common loan products were more than half a point apart.

And behind every one of those averages are dozens of lenders with different guidelines, pricing, and appetite for different borrowers.

When rates move fast, the match matters more. Self-employed, investor, high net worth, complex income. The right lender can change the whole picture.

Client in contract? Have the lock conversation before Friday's jobs report.

Client who got a number they didn't like? Send me the scenario. There's usually more than one path.
Whatever your client needs, Jay knows which lender has it.

07/13/2026

The biggest housing law in 35 years is officially in effect, and 89% of America is united behind it. 🏡

Small-dollar loans. More attainable homes. A fairer shot for first-time buyers. The ROAD to Housing Act was built for the markets HOME members serve, and our team took this fight to Washington ourselves.

The market just got bigger. HOME members will be ready first.

I do the research so you don't have to. Whatever your client needs, I have a solution for their lending needs.

➡️ Join at tunuevohome.com

07/09/2026

The industry just shifted. 🏡

Docutech — the engine behind millions of loan documents — just integrated with Talk'uments. Mortgage docs and interactive education in six languages: English, Spanish, Chinese, Korean, Vietnamese, and Tagalog.

And this goes beyond translation. Talk'uments explains loan documents and mortgage terminology in the language a borrower actually trusts — the difference between a family signing with confidence and a family walking away.

75% of internet users speak a language other than English. Reaching today's diverse market isn't a side strategy. It's THE growth opportunity.

06/25/2026

EPM is now the first 100% wholesale lender in the U.S. to deliver full loan disclosures in SIX languages — English, Spanish, Mandarin, Tagalog, Vietnamese, and Korean.

Behind the announcement is a personal story: EPM’s CEO, Eddy Perez Jr., built this in honor of his father, who came to this country from Cuba with nothing but work ethic and a dream.

That’s the same belief HOME was built on — when one family gets access, a community moves forward.

Language access isn’t a nice-to-have anymore. It’s where the industry is headed. And it’s exactly what HOME exists to help you do — connect with better tools, better lender matches, and education in the languages your community trusts.

Go to https://vist.ly/582zk and join the movement.

06/20/2026

Freedom is more than a moment in history. It’s access. It’s opportunity. It’s ownership.

Today we honor Juneteenth and reflect on the ongoing work of creating a future where every family has the opportunity to build wealth, stability, and community.

HOME is proud to stand alongside the Black Mortgage Professionals Alliance in advancing representation, leadership, and opportunity across housing.

Many languages. One movement.

06/19/2026

A home that sat on the market for nearly two years. A lender that couldn't make it work. A financial planner who knew who to call.
Jennifer Templeton's clients came to me with a specific situation and a home that had specific loan requirements attached to it. We found the path forward.
That's what access to 100+ lenders looks like in practice. It's not about the rate. It's about knowing which lender has the right product for the situation in front of you.
Thank you, Jennifer. Referrals like this one are exactly why I do this work.

Address

1805 E Garry Avenue
Santa Ana, CA
92705

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 7pm
Saturday	9am - 6pm

Telephone

+19496062410

Website

http://rodriguez.team/, https://jayrodriguezmortgage.com/

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