Competitive Rates. Fast Closings. Streamlined Process.
 
READY TO BUY A HOME?

Secure a home purchase loan that leverages today’s great mortgage rates to make your dream home affordable.

REFINANCING CAN YOU GIVE YOU OPTIONS

Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.

GET A LOAN WITHOUT HASSLE.

We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way.

THE HOME LOAN EXPERIENCE TAILORED TO YOU.

 

We’ll provide you with the most competitive rates and the programs that best fit your individual needs. 

You're one of a kind. Your mortgage should be, too. Start an application online to see what's possible.

 

WE KNOW LENDING.

Conventional Loans

 

- Down Payment As Low As 3%

- Reduce or even eliminate monthly mortgage insurance (not possible with an FHA loan)

- Typically faster, easier and a lower monthly payment than an FHA loan
- Use gift funds for your entire down payment
 
Contact us for more details

FHA Loans

 

- Flexible approval guidelines
- Low down payment options
- Fixed and adjustable-rate loans
- Loans for 1-4 unit properties and condos
- The ability to use gift funds from a relative or employer
- Seller can contribute to the closing cost fees
- Credit score requirements
 
Contact us for more details

Jumbo Loans

 

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2021, the limit is $625,000 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $822,373. Rates may be a bit higher on jumbo loans because lenders generally have a higher risk. (2022)

 

Contact us for more details

VA Loans

 

- 100% Financing with full VA entitlement
- Limited closing costs
- VA financing fees that can be rolled into the loan amount
- No prepayment penalties
- Fixed- and agjustable-rate loan terms
- A variety of eligible property types.

 

Contact us for more details

MORTGAGE CALCULATOR

Price of Homes
$
Down Payment
$
Loan Term
Interest Rate
Home Insurance (optional)
$
Property Tax (optional)
$
Mortgage values are calculated by Lofty and are for illustration purposes only, accuracy is not guaranteed.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

SEE WHAT OUR PAST CLIENTS ARE SAYING

  • Kole Chadwick
    Arrive Real Estate is the real deal! What an excellent group; especially our agent Joey Scarcella - highly professional, exceptional communication, motivated and persistent. He checked all the boxes for an agent we wanted to work with and over-delivered! Joey helped us with our move from SoCal to our dream home in North Idaho in Fall of 2024 and we couldn’t be any more pleased with our experience. If you’re looking for a smooth transition like we were, I couldn’t recommend this group enough. Call Arrive & ask for Joey Scarcella - Five stars!
  • Andy y
    Late post; we closed on our home in january 2025. I have purchased homes before (most recently march 2024) and acutely aware of differences in responsiveness/caliber of real estate agent/brokers. Anthony and his team hit the ground running. He was professional, quick to respond, and answered all our questions. For example; i know many real estate agent/broker prefer "seller compensation" rather than lowering a homes purchase price (for a variety of reason); anthony didn't. Anthony time and time again did what was best for us; even going as far as making sure our deal closed and both sides walked away happy. He went above and beyond and we would be happy to use him again. His team did not "SPAM" us with daily newsletter -or- automatically-generated homes that we had no interest in. We did have a difference in opinions on a few things but after a quick call we agreed on the best course of action. Do not hesitate to use him. He is a go-getter and has access to many vendors/already established strong relationships to streamline everything.
  • Mariana Garcia
    I had the pleasure of working with Anthony to purchase our first home and with help of Erin. The whole process is so smooth and successful. He went out of his way to ensure every detail was taken care of – from arranging inspections to find a homeowner insurance for me. He answered all my questions with in-depth explanations, ensuring I fully understood what I was doing and why it was the best. We are very impressed and satisfied with the process and having him by our side. We will highly recommend Anthony Campos to anybody looking to purchase or sell a home.
  • Miles Braun
    Stuart is the most knowledgeable and easy person to work with. I will always be using Stuart for my transactions!
  • Heather Patel
    I had the pleasure of working with Anthony Campos, Matt Schaeffer, and team during the process of financing and buying my home, and I couldn’t be more impressed. From the very beginning, they were incredibly professional, responsive, and attentive to my needs. They made sure I fully understood every step, from financing options to closing, and were always there to answer any questions. Their expertise and dedication ensured that the entire process was smooth and stress-free. Highly recommend this team to anyone looking for a seamless home-buying experience!
  • Coco Lin (Chinhui)
    We had the absolute pleasure of working with Erin Poturich from Arrive Real Estate, and we couldn't be happier with our home-buying experience in Temecula! From the very start, Erin impressed us with her professionalism, expertise, and unwavering dedication to helping us find the perfect home. Her deep knowledge of the local market, coupled with her patience and keen attention to detail, made the entire process seamless and stress-free. Erin was always available to answer our questions, offering honest and insightful advice while guiding us through every step—from searching for homes to negotiating the best deal and ensuring a smooth closing. What truly sets Erin apart is her genuine care for her clients. She made us feel like a top priority, going above and beyond to ensure we felt comfortable and confident in every decision. If you're looking for an outstanding realtor in Temecula, we wholeheartedly recommend Erin Poturich. She’s simply the best!
  • Kim Carson
    Stuart Carson helped me on two transactions. The first facilitated the purchase of my current residence and then three years ago he was able to secure a VA refinance at a significantly lower rate below 3%. So happy with the results and the outstanding work by Stuart Carson.
  • kelsie barnes
    My experience with Joey Scarcella was one for the books! He made our home buying experience so easy and stress free. He really took the time to get to know our needs and what was really important to us in a forever home. We would not have found our dream home without Joeys help! Thank you so much Joey for your professionalism and enthusiasm! We highly recommend Arrive and Joey to anyone who is looking for an unforgettable home buying experience!
  • ryan skipper
    Thank you Stuart for all your help. You made a really difficult and scary process so easy for us. Big thank you for all your help with the loan process and helping us get the home of our dreams!!!
  • Joyce Anderson
    Just when I had no faith in ever being able to be a home owner Joey came through and made it all happen! My family and I will always be grateful for Joey as he saved the day!