Do I Really Need 20% Down?

No! One of the biggest homebuying myths is that you need 20% down to purchase a home. Many qualified buyers can purchase a home with significantly less through programs like FHA, VA, USDA, and other financing options. The amount needed varies based on the loan program and your individual financial situation.

What Credit Score Do I Need?

Credit score requirements vary depending on the mortgage program you're applying for. Factors such as your income, debt-to-income ratio, and down payment can also impact your eligibility. If you're unsure whether you're ready to buy, Ariana can review your situation and discuss the loan options that may be available to you.

How Do I Get Pre-Approved?

Getting pre-approved starts with completing a mortgage application and providing documentation such as income verification, bank statements, and identification. Ariana will review your financial information and help determine the loan programs that best fit your needs. A pre-approval gives you a clearer understanding of your budget and strengthens your offer when you're ready to buy.

What Documents Will I Need?

While every situation is different, buyers are often asked to provide:Recent pay stubsBank statementsW-2s or tax returnsGovernment-issued identificationEmployment informationAdditional documentation if you're self-employed or have variable income

How Long Does the Mortgage Process Take?

Most home loans close within approximately 21 to 30 days, although timelines can vary depending on the loan program and individual circumstances. From pre-approval to closing day, Ariana will keep you informed throughout the process and work closely with all parties involved to help ensure a smooth and timely transaction.

Do I Really Need 20% Down?

One of the biggest homebuying myths is that you need 20% down to purchase a home. Many qualified buyers can purchase a home with significantly less through programs like FHA, VA, USDA, and other financing options. The amount needed varies based on the loan program and your individual financial situation.

What Credit Score Do I Need?

Credit score requirements vary depending on the mortgage program you're applying for. Factors such as your income, debt-to-income ratio, and down payment can also impact your eligibility. If you're unsure whether you're ready to buy, Ariana can review your situation and discuss the loan options that may be available to you.

How Do I Get Pre-Approved?

Getting pre-approved starts with completing a mortgage application and providing documentation such as income verification, bank statements, and identification. Ariana will review your financial information and help determine the loan programs that best fit your needs. A pre-approval gives you a clearer understanding of your budget and strengthens your offer when you're ready to buy.

What Documents Will I Need?

While every situation is different, buyers are often asked to provide recent pay stubs, bank statements, W-2s or tax returns, government-issued identification, employment information, and additional documentation if you're self-employed or have variable income.

How Long Does the Mortgage Process Take?

Most home loans close within approximately 21 to 30 days, although timelines can vary depending on the loan program and individual circumstances. From pre-approval to closing day, Ariana will keep you informed throughout the process and work closely with all parties involved to help ensure a smooth and timely transaction.

Prestamos con Ari | Southeast Texas Mortgage Loan Officer & Home Loans

Helping Southeast Texans Navigate Homeownership With Confidence

Buying a home doesn't have to be overwhelming. Whether you're a first-time homebuyer, refinancing, or purchasing your next home, Ariana Zambrana provides personalized mortgage guidance across Texas. From pre-approval to closing, she'll help you navigate every step with confidence.

Get Pre-Approved

Licensed Mortgage Loan Officer in Texas

Weekend & Evening Appointments Available

Proudly Serving Homebuyers Across Texas

Why Choose Ari

More Than a Mortgage Loan Officer

I’m Your Homebuying Partner

Buying a home isn't just about qualifying for a loan, it's about having someone who takes the time to explain your options, answer your questions, and advocate for your goals. I believe every buyer deserves to feel informed and confident throughout the mortgage process, no matter where they're starting.

Having worked in Southeast Texas refineries for seven years before becoming a mortgage loan officer, I understand the unique income structures of refinery and construction workers, including overtime, shift differentials, and variable income. That firsthand experience helps me navigate complex underwriting situations that many buyers worry could keep them from qualifying.

Whether you're purchasing your very first home or your fifth, you'll receive honest guidance, personalized communication, and support from start to finish.

Loan Programs Designed Around Your Goals

Every homebuyer's financial situation is different. Ariana offers a variety of mortgage solutions to help you find the loan program that best fits your needs, budget, and long-term goals.

Conventional Loans

Ideal for buyers with strong credit and stable income who are looking for competitive financing

options and flexible terms.

FHA Loans

Designed for many first-time homebuyers, FHA loans offer lower down payment requirements and more flexible qualification guidelines.

VA Loans

Exclusive financing for eligible veterans, active-duty military members, and qualifying surviving spouses with valuable benefits and no down payment requirement for qualified borrowers.

USDA Loans

Helping qualified buyers purchase homes in eligible rural communities with no down payment requirements.

Down Payment Assistance

Many buyers are surprised to learn they may qualify for assistance programs that can help reduce upfront homebuying costs.

Investment Property Loans

Financing options for those looking to build long-term wealth through real estate investments.

Refinancing

Whether you're looking to lower your monthly payment, change your loan term, or access your home's equity, refinancing may help you achieve your financial goals.

Buying Your First Home Doesn't Have to Be Complicated

If you're buying your first home, you're not expected to know everything and that's okay. Ariana is passionate about educating first-time buyers and helping them understand the process before making important financial decisions.

Many people believe they need perfect credit, a large down payment, or years at the same job before buying a home. In reality, every situation is unique, and there may be loan programs available that fit your circumstances.

From your first consultation through closing day, you'll have someone available to answer your questions, explain each step, and help you make informed decisions with confidence.

Schedule a Consultation

“Working with Ari was an exceptional experience from start to finish as someone who initially felt overwhelmed by the process we consulted with our credit union, thinking it would be a breeze. With little to no help we were told we need to have 20% down and they only offered conventional loans. Overwhelmed and confused, we were referred to Ari by a mutual friend of ours.”

Celebrating New Beginnings

Every set of keys tells a story. Explore moments from recent closings and celebrate the families, first-time buyers, and homeowners who have trusted Ari to help them achieve their homeownership goals.