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Arnaiz Mortgage

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Surprise, AZ
Arnaiz Mortgage

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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

10/29/2026

The best three words in mortgage: Clear.To.Close. ✅🔑
10 days start to finish on this one. Who’s next?

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.

Address

15331 W Bell Road Ste 212
Surprise, AZ
85374

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 6pm
Sunday	8am - 6pm

Telephone

+16238064645

Website

http://www.ArnaizMortgage.com/

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