Empowering Dreams, Building Homes, Creating Futures.
Jessica Arroyo | Loan Officer
Helping families achieve homeownership with personalized mortgage solutions and expert guidance. Whether you're a first-time homebuyer, refinancing, or investing, Jessica is here to make the process simple, stress-free, and rewarding—serving Utah, California, and beyond! Mortgage Loan Officer | Wise Home Lending NMLS #2561537 | DRE #12580746
Mortgages Made Simple
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Smart Mortgage Solutions for Every Stage of Homeownership.
Explore Loan Options Tailored to Fit Your Needs.
From first-time homebuyers to seasoned investors, we offer a wide range of mortgage solutions designed to match your goals. Whether you need FHA, VA, USDA, Jumbo Loans, or specialized options like Bank Statement Loans, ITIN Loans, and Refinancing, we’re here to simplify the process and help you achieve your dream of homeownership—quickly and stress-free.
First-Time Homebuyer / DPA Loans
Buying your first home is an exciting milestone, but it can also feel overwhelming. That’s why Jessica Arroyo is here to guide you through the process with low down payment options and down payment assistance (DPA) programs designed to make homeownership affordable. Whether you’re just starting out or need help improving your credit, Jessica works closely with you to create a clear plan and make your dream of owning a home a reality.
Conventional Loans
Conventional loans are a great fit for buyers looking for competitive rates, flexible terms, and low down payment options starting at 3%. Jessica helps borrowers secure financing for primary residences, vacation homes, and investment properties while exploring strategies to minimize costs, such as eliminating PMI with larger down payments. With personalized support, Jessica ensures your loan fits your lifestyle and long-term goals.
FHA HOME LOAN
For buyers who need affordable financing, FHA loans offer low down payments and lenient credit requirements. With down payments as low as 3.5%, these loans are ideal for first-time buyers or anyone with limited credit history. Jessica understands the challenges many families face and specializes in providing guidance to make FHA financing stress-free and accessible for every borrower.
VA Home LOANS
VA loans are designed to support veterans, active-duty service members, and military families by offering zero down payment, no PMI, and low-interest rates. Jessica is proud to serve those who’ve served our country by making the home loan process simple and rewarding. Whether you’re purchasing a new home or refinancing, Jessica ensures you take full advantage of your VA benefits.
JUMBO LOAN PROGRAMS
When it’s time to invest in a high-value property or luxury home, jumbo loans provide financing options that go beyond conventional loan limits. Jessica offers competitive rates and customized terms for buyers who need flexible solutions to finance larger purchases. With a smooth process from start to finish, Jessica helps make buying your dream home a reality.
PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED
Self-employed borrowers often face unique challenges when applying for loans, but Jessica Arroyo makes it simple. With options like bank statement loans and alternative income verification, Jessica helps entrepreneurs, freelancers, and small business owners qualify for financing without the limitations of traditional documentation requirements.
NON-QUALIFIED MORTGAGE (NQM) LOANS
Non-QM loans offer flexible solutions for borrowers who don’t meet conventional guidelines. These loans are perfect for real estate investors, self-employed borrowers, and anyone with unique income structures. Jessica tailors each loan to match your needs, providing creative solutions to help you move forward with confidence.
BANK STATEMENT LOANS
For self-employed buyers or those without traditional income documentation, bank statement loans provide a flexible way to secure financing. Instead of tax returns, these loans use bank deposits to verify income, making them ideal for business owners. Jessica ensures the process is fast, simple, and stress-free, so you can focus on achieving your homeownership goals.
INVESTMENT PROPERTY FINANCING
Building wealth through real estate investments is easier with the right financing. Jessica provides investment property loans with competitive rates and flexible terms, helping buyers purchase rental properties and expand their real estate portfolios. Whether it’s your first investment or a new addition, Jessica works to maximize your returns.
ITIN Loans
For non-U.S. citizens, ITIN loans offer a clear path to homeownership without requiring a Social Security Number. Jessica provides flexible financing solutions for buyers using an Individual Taxpayer Identification Number (ITIN), helping them purchase homes and build financial security in the U.S.
Refinance Options
Whether you’re looking to lower your interest rate, reduce monthly payments, or cash out equity, Jessica offers refinance solutions to meet your needs. From rate-and-term refinancing to cash-out options, Jessica helps homeowners make the most of their property’s value while saving money in the process.
HELOC | Home Equity Line of Credit
A HELOC allows homeowners to access home equity with low-interest rates and flexible repayment options. Whether funding home improvements, debt consolidation, or education expenses, Jessica provides solutions to help you make the most of your home’s value.
Renovation and Construction Loans
Whether you’re renovating a fixer-upper or building a new home, Jessica’s renovation and construction loans provide funding for both the purchase and improvements. These loans allow buyers to create their ideal space while keeping financing simple and affordable.
USDA Loans
For buyers looking in rural and suburban areas, USDA loans offer zero down payment and low-interest rates. Backed by the U.S. Department of Agriculture, these loans are perfect for buyers looking for affordability without sacrificing quality. Jessica helps you determine eligibility and guides you through every step.
Adjustable-Rate Mortgages
Adjustable-rate mortgages (ARMs) are a great option for buyers looking for lower initial payments or those planning to refinance or sell within a few years. With low introductory rates and flexible repayment plans, ARMs offer affordability for short-term homeowners. Jessica helps clients explore whether this flexible financing option is right for them.
Jessica Arroyo – Mortgage Loan Officer
Jessica Arroyo is a dedicated Mortgage Loan Officer with a passion for helping individuals and families achieve the dream of homeownership. With nearly a year of experience in the mortgage lending industry, Jessica combines her deep cultural understanding and strategic approach to provide personalized mortgage solutions tailored to her clients’ unique needs.
Born to immigrant parents, Jessica experienced firsthand the challenges families face when navigating the complexities of homeownership, especially when language barriers are involved. These personal experiences have fueled her commitment to making the process easier and more accessible, particularly for the Latino community.
Jessica specializes in a wide range of loan products, including Conventional Loans, FHA Loans, VA Loans, ITIN Loans, and Bank Statement Loans, among others. She is passionate about working with first-time homebuyers, self-employed borrowers, and those with unique financial circumstances, ensuring that each client finds the right solution to meet their goals.
Based in Utah and serving clients in both Utah and California, Jessica takes pride in her ability to connect with clients on a personal level. Her clear communication and compassionate approach make the mortgage process seamless and stress-free.
Outside of her professional life, Jessica enjoys arts and crafts, a passion she shares with her son, celebrating special moments through creativity. Her dedication to family, culture, and community inspires her mission to empower others to achieve financial stability and homeownership.
Whether you’re purchasing your first home, refinancing, or exploring options for a new property, Jessica Arroyo is here to guide you every step of the way. Let her expertise and dedication help you turn your homeownership dreams into reality.
Making Homeownership Dreams a Reality
About Jessica Arroyo – Mortgage Loan Officer, Wise Home Lending
The Benefits of Working with Me
Choosing the right mortgage professional can make all the difference, and here’s what you can expect when working with me:
- Expert Guidance: Years of experience and in-depth industry knowledge to help you make informed decisions.
- Personalized Solutions: I take the time to understand your goals and customize loan options to fit your financial situation.
- Seamless Process: From application to closing, I ensure every step is clear and stress-free.
- Competitive Rates: Access to nationwide programs with some of the most competitive rates in the market.
- Trust and Integrity: A client-first approach focused on transparency, honesty, and building long-term relationships.
My goal is to not only get you into a home but also set you up for financial success for years to come.
Loan Products Offered
At Wise Home Lending, I offer a variety of home loans and mortgage solutions tailored to meet your needs:
- Conventional Mortgages – Flexible terms and competitive rates.
- FHA Loans – Low down payment options for first-time buyers.
- VA Loans – Exclusive benefits for veterans and active-duty service members.
- USDA Loans – Zero down payment options for rural properties.
- Jumbo Loans – Financing for high-value properties.
- Renovation Loans – Finance home improvements or repairs.
- Non-QM Loans – Flexible options for unique financial situations.
- Bank Statement Loans – Ideal for self-employed borrowers.
- DSCR Loans – Financing for real estate investors.
- Down Payment Assistance Programs – Support for eligible buyers.
- ITIN Loans – Mortgage solutions for non-U.S. citizens without a Social Security Number.
- Refinance Options – Lower payments, access equity, or consolidate debt.
- Adjustable-Rate Mortgages (ARMs) – Flexible rates to match your financial goals.
No matter your situation, I’ll help you explore the best financing options available and guide you to the right loan.
Empowering the Latino Community
Jessica’s mission is to make homeownership accessible and affordable for all, especially for underserved communities. She focuses on education, ensuring her clients understand their options and feel confident throughout the mortgage process.
A Personal Touch
When she’s not helping clients secure their dream homes, Jessica enjoys arts and crafts with her son—a passion they’ve shared since he was young. Celebrating holidays through creative projects has become a special way for them to bond and cherish life’s moments.
What loan products does Jessica Arroyo specialize in?
Jessica offers a comprehensive range of mortgage solutions, including Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Non-QM Loans, Renovation and Construction Loans, Adjustable-Rate Mortgages (ARMs), ITIN Loans, and Refinancing Options. She provides tailored solutions to meet the unique needs of her clients.
Does Jessica work with first-time homebuyers?
Yes, Jessica is passionate about helping first-time homebuyers achieve their dream of homeownership. She guides clients through programs like Down Payment Assistance (DPA) and FHA Loans, making the process accessible and affordable for those new to the market.
Can Jessica assist with financing for self-employed borrowers?
Absolutely. Jessica specializes in helping self-employed borrowers with options like Bank Statement Loans and Non-QM Loans, which are designed for individuals with non-traditional income sources.
What is an ITIN Loan, and can Jessica help with it?
ITIN Loans are designed for non-U.S. citizens who use an Individual Taxpayer Identification Number (ITIN) to file taxes. Jessica helps eligible clients navigate the process to secure financing without requiring a Social Security Number.
Does Jessica offer loan options for high-value properties?
Yes, Jessica provides Jumbo Loans for clients purchasing luxury or high-value properties that exceed conventional loan limits. She ensures a smooth process with competitive rates and terms for these specialized loans.
Can Jessica assist with home renovations or new construction projects?
Yes, Jessica offers Renovation and Construction Loans for clients who want to build a custom home or improve their existing property. These loans are tailored to meet the financial needs of construction and renovation projects.
Does Jessica offer VA Loans for veterans and active-duty military?
Yes, Jessica proudly provides VA Loans to eligible veterans, active-duty service members, and their families. These loans feature no down payment, competitive rates, and other exclusive benefits.
What refinancing options does Jessica provide?
Jessica offers refinancing solutions to help homeowners lower their monthly payments, access equity, or adjust their loan terms. Whether you’re looking to save money or achieve financial flexibility, Jessica can guide you through the refinancing process.
What makes Jessica unique as a Mortgage Loan Officer?
Jessica’s approach is rooted in her personal experiences and dedication to helping clients succeed. Her passion for empowering individuals, especially within the Latino community, combined with her clear communication and expert guidance, sets her apart as a trusted mortgage advisor.
Does Jessica work with clients outside her local area?
Yes, as part of Wise Home Lending, Jessica serves clients in both Utah and California, as well as other states. Her broad reach ensures she can provide expert advice and tailored solutions no matter where you are.
What credit score is required to work with Jessica?
Jessica works with clients across various credit situations. While many loan programs require a credit score of 620 or higher, she offers flexible options like FHA Loans and Non-QM Loans for clients with less-than-perfect credit.
How does Jessica help clients with unique financial challenges?
Jessica specializes in finding creative solutions for clients with unique circumstances. Whether it’s navigating credit challenges, securing financing for self-employed borrowers, or exploring options for first-time buyers, Jessica provides personalized strategies to overcome obstacles.
How do I start the loan process with Jessica?
Getting started is simple. You can schedule a consultation, apply online, or contact Jessica directly by phone or email. She will guide you through the pre-approval process and help you secure financing that aligns with your goals.
Why should I choose Jessica Arroyo as my Mortgage Loan Officer?
Jessica’s dedication to personalized service, clear communication, and finding the right mortgage solutions for each client makes her a trusted partner in your home financing journey. Her expertise and passion ensure a smooth and successful process from start to finish.
Let’s Connect
Whether you’re ready to buy your first home, refinance, or explore loan options, Jessica is here to help. Schedule a consultation today to start your journey toward homeownership!
Phone: (385) 439-4333
Email: jessica@@arborg.com
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Let’s turn your homeownership dreams into reality—contact me today!