Welcome to Vista Loans's Web Site

At Vista Loans, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. We are with you every step of the way. You will save a lot of time if you determine what mortgage amount you can qualify for before you start looking at homes. As a rule, you don't want to spend more then 29 percent of your gross monthly income (that's before taxes are taken out of your paycheck). You'll need to consider current interest rates. The lower the rate, the higher the home price you'll be able to qualify for. Use our calculator to give you an idea of how much you can afford.


Calculate Monthly Payment

term rate apr payment
30 Yr Fxd 4.18% 4.438%
15 Yr Fxd 3.375% 3.817%
5 Yr ARM 3.25% 3.979%
9 Yr Int Only 4.55% 4.63%
Loan Amount calculate

Latest News

01/22/2017 Dollar slips after Trump's protectionist address, Asia shares resilient

People are seen behind an electronic board showing stock prices after the New Year opening ceremony at the Tokyo Stock Exchange (TSE), held to wish for the success of Japan's stock market, in TokyoThe dollar slipped broadly on Monday after U.S. President Donald Trump struck a protectionist tone in his inauguration speech, offsetting optimism that he will follow through on promises of tax cuts and other stimulus. Japan's Nikkei dropped 1.1 percent while shares in Australia dropped 0.7 percent after the Trump administration, on its first day in office, declared its intention to withdraw from the Trans-Pacific Partnership (TPP), a 12-nation trade pact that Japan and Australia also have signed up for. Other Asian shares were resilient, however, in part due to a relief that there was no negative surprises, with Trump refraining from labelling China as a currency manipulator for now, an accusation he made while campaigning.


Testimonials

"I was worried that I wouldn't be able to qualify for a loan. I spoke with James and he told me to apply on his site. The next day he not only qualify me but had me locked into a great rate."

Larry Benson Los Angeles