Arnaiz Mortgage

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Arnaiz Mortgage

Mortgage Broker licensed in AZ Equal Housing Lender. Arnaiz Mortgage, NMLS #2033319 AZ License MB - 1013785.

I am a licensed mortgage originator, NMLS # 694462, and am licensed to originate mortgage loans in the following state(s): Arizona, Colorado. To learn more, visit my website at www.ArnaizMortgage.com

04/14/2026

Most first-time buyers walk into the mortgage process not knowing these 5 terms — and it costs them.

Understanding your DTI before you apply, knowing what PMI actually protects (hint: not you), and learning how amortization works can completely change how you approach buying your first home.

Swipe through, save this post, and comment HELP if you have any first-time homebuyer questions. I’m happy to answer them directly. 👇

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04/09/2026

The car you drive can determine the house you qualify for.

When I started, homes in Surprise were $120k on the lower end. House payments were $800 - $1000. $1400 was considered an expensive payment at the time - and even then, many first-time buyers couldn’t qualify.

The biggest reason? Car payments.

I’d see people trying to qualify for a $1,000 house payment… while carrying a $500–$800 car payment. And it killed their DTI.

Fast forward to today, and it’s even more extreme. Now I regularly see $900–$1,500 car payments holding younger people back from buying a home.

I get it - cars feel like a reward. You work hard, you want something to show for it. But from a financial standpoint, it can delay homeownership by years.

My advice to young buyers:
Start with the cheaper car. Keep your monthly obligations low. Buy the house first.

Once you have stability, equity, and savings - then go get the dream car. My first car was a 2004 Chevy Cavalier. It was cheap and only had 11k miles on it. I drove that thing until 2013 when the clutch went out.

Was it flashy? Not even close.

But it helped put me in a position to buy my first house and that decision set up my future.

I’ve seen too many people trade homeownership for a depreciating asset. And it’s a tough trade to undo. So if you’re hoping you will one day own a home - do not to get that car.

04/02/2026

I’ll say something I don’t usually say…I actually agree with Dave Ramsey on one thing:

15-year mortgages are the best.

Where I disagree is the all-or-nothing approach.

Telling people not to buy a home unless they can afford a 15-year loan just doesn’t fit today’s market. For most buyers right now, a 30-year mortgage is the only realistic option. And if they followed his advice they’d rent forever.

I bought my first home in 2012 on a 30 year and refinanced into a 15-year a year and 1/2 later because the payment made sense. It was close to what rent would’ve been anyway.

Fast forward to 2020 — sold for $300K and only owed $120K. This help put us in a great position for our new home.

Banks prefer 30-year loans — there’s more interest over time, and it’s front-loaded.

But 15-year loans are what really change people’s future positions.

I wish I could put more people into 15 year loans, but the reality is, in today’s market, a 30-year often makes the most sense upfront.

But, If you can start with a 30-year and later transition into a 15-year— whether through lower rates, removing PMI, or improved income — you can significantly accelerate your equity and better position your future.

That’s the part most people don’t think about.

Rates shown are for illustrative purposes only and are not current market rates. Payment examples are estimates and do not include taxes, insurance, or HOA. Actual terms will vary.

02/26/2026

Docs are signed - keys are next. Congratulations to Airrion and Jonathan. Almost to the finish line. Thank you for all your hard work with helping them find their home.

01/27/2026

Realtors — let’s run a quick scenario.

Two buyers submit offers on one of your listings.

Both at list price.

Both asking for concessions.

• Buyer A needs $20k
• Buyer B needs $8k

Is there any situation where you’d convince your seller that the $20k concession is the better deal?

Probably not.

Now apply that same logic on the buy side.

When a buyer is paired with a lender that requires heavy points or higher fees just to reach a market rate, that buyer walks in already needing more concessions.

Meanwhile, buyers working with a lower-cost lender structure:

• Need less from the seller
• Have more room to negotiate
• Present cleaner, stronger offers

This isn’t about rates — it’s about leverage.

Time is money.

Losing offers because of avoidable costs means more showings, more rewrites, and more time getting a buyer under contract.

These numbers are just averages.
Concessions happen - Even I need large amounts from time to time.

But buyers with lower lender costs always negotiate from a stronger position than buyers paying excess retail fees.

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12/18/2025

Officially at 5 years of Arnaiz Mortgage!

What started as a leap of faith, turned into something better than I hoped. Over the last 5 years I’ve had the privilege of helping many families buy homes, refinance, and make smart financial moves. I started off just in AZ and have grown to 4 other states.

To all my clients/past clients who have supported me, to all the Realtors who believed in me, and to anyone who’s supported me in any way - thank you!

Excited for 2026. The focus will still be on doing things the right way, putting people over profits, and helping people with one of the largest transactions of their life.

Feel free to reach out with any purchase or refinance needs.

Tyler Arnaiz - NMLS 694462
Arnaiz Mortgage - NMLS 2033319

11/08/2025

Excited about this one.

Past client says “hey Tyler, we found this house we love but we’re competing with someone else, can you close in a few weeks to make our offer stronger”

Me: let’s do it

Not only did we have to get inspection & appraisal back ASAP, but we had repair items on appraisal - and still closed on time.

Thank you guys for trusting in me again. Congratulations on the new place. It’s beautiful & I’m excited for you.

07/16/2025

Congratulations Foster & Emma on the purchase of your new home. Thank you so much for trusting in me to help you.

12/18/2024

A reverse mortgage is a financial tool that allows homeowners aged 62 or older to convert a portion of their home equity into tax-free income while still retaining ownership of their home. One of the main benefits is the ability to supplement retirement income, providing financial flexibility for daily living expenses, medical bills, or other needs. Unlike traditional loans, repayment is deferred until the homeowner sells the home, moves out permanently, or passes away, allowing them to stay in their home without monthly mortgage payments. Additionally, reverse mortgages can be tailored to provide a lump sum, monthly payments, or a line of credit, offering customizable financial solutions.

07/02/2024

Excited to announce I am now licensed to do loans in Alabama. We are now licensed in AL, AZ, CO, CA, TX. Send over your referrals.

Address

15331 W Bell Road Ste 212
Surprise, AZ
85374

Telephone

+16238064645

Website

http://www.ArnaizMortgage.com/

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