Investor money that moves fast. First homes made simple.
Voltage Mortgages is the lending desk of Irving Arreola at HomeMac, a nationwide direct lender. Investors qualify on the property's rent, not tax returns. First time buyers get a clear path from pre qualification to keys, with no jargon and no runaround. Pre approvals in 24 hours. Closings in as little as 10 days on clean files.
Get out of
hard money
Pick the door you're standing at.
Qualify on the rent, not your tax returns.
DSCR purchase and cash out refinance on 1 to 4 unit rentals, short term rentals and portfolios. Close in an LLC. Fix and flip and bridge money for the projects in between. Take out your hard money before the balloon hits.
See investor programs → First time homebuyers3.5% down, and a plan you actually understand.
FHA loans built for first homes, with flexible credit and down payment help where it applies. Run the payment estimator, get pre qualified in a few minutes, and shop with a real number in hand.
Start your pre qualification →Three steps. No paper chase.
Most of the work happens in one secure online application. Here's what the ten days look like when a clean file comes in. Tap a step to jump ahead.
Tell us the goal
Run a calculator or fill out the two minute form. Irving reviews it the same day and calls you with real options, not a script.
Pre approval in 24 hoursApply online, upload from your phone
The HomeMac application takes about 12 minutes. Snap photos of your documents. DSCR files skip income docs entirely.
Appraisal ordered day oneAppraisal, approval, keys
Conditions clear as they come, not in a pile at the end. Clean files can close in as little as 10 days once your docs and signed forms are in.
Closings in as little as 10 days- Numbers receivedDay 0
- Pre approval issuedDay 1
- Application signed, appraisal orderedDay 1
- Title and payoff requestedDay 2
- Appraisal receivedDay 6
- Underwriting approvedDay 8
- Clear to closeDay 9
- Funded. Cash out wired.Day 10
This week's rates.
National weekly averages, refreshed every Thursday. Use them as a compass, then let us price your actual scenario.
What we lend on.
DSCR investor loans
1 to 4 units, up to 80% cash out, 15% down purchases at 720+, LLC vesting, interest only available. Ratio and No Ratio programs.
FHA first time buyer
3.5% down, flexible credit, gift funds allowed. Built for buyers who need clarity more than anything.
Conventional & jumbo
Primary homes, second homes and rentals with full documentation and competitive pricing.
Bank statement & alt doc
12 or 24 months of statements, 1099, P&L or asset depletion for self employed borrowers who write income down.
Cash out & rate and term refinance
Pull equity for the next deal or lower the payment on the one you have. Second liens available so you can keep a low first.
Fix & flip and bridge
Short term money for rehab projects and fast closings, placed through our private lending partners, with the DSCR take out lined up on the back end.
Meet Irving Arreola.
Mortgage Loan Originator with Team Voltage Mortgages at HomeMac, a nationwide direct lender. Born and raised in the South Bay of Los Angeles, Irving is a real estate and entrepreneurship enthusiast who started on the investing side, managing short term rentals and structuring deals, before he ever wrote a loan. You work with him from the first call to funding.
"If they couldn't fund you, let's explore every option to help you get funded."Irving Arreola
Irving Arreola
Mortgage Loan Originator · NMLS 2790178
HomeMac, LLC · Team Voltage Mortgages · Santa Ana, CA
(424) 599-0402 · irving.arreola@homemac.com
Not sure which door? Book 30 minutes.
A real conversation about your scenario. No pressure, no obligation.