Conventional Loans
A widely used option for eligible borrowers purchasing or refinancing a primary home, second home, or investment property.
Clear guidance. Confident decisions.
Your Home Loan.
Our Expertise.
Vista Capital helps homebuyers, homeowners, and real estate investors navigate purchase and refinance financing with responsive, professional mortgage guidance.
Guidance from your first conversation through closing
ConventionalFHAVANon-QMPurchaseRefinance
Start with your goal
What are you looking to do?
Choose the path that best fits where you are today. Our team can help you understand the financing options available for your next move.
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Buy a Home
Explore financing for a first home, next home, or primary residence.
View loan optionsRefinance
Review your goals and see whether a new mortgage structure may fit.
View loan optionsFinance an Investment
Discuss options designed for qualifying real estate investors.
View investor optionsExplore My Options
Not sure where to begin? Start by learning who will guide your mortgage journey.
Meet the teamA mortgage experience built around you.Personal guidance. Practical options. Responsive support.
Why Vista Capital
Expert guidance, without losing the human touch.
A mortgage is more than paperwork. It is a major financial decision. Vista brings clarity to the process with tailored guidance, access to multiple loan programs, and a team that stays connected from application through closing.
Experienced guidance
Clear explanations and steady support at every milestone.
Personalized solutions
Loan conversations shaped around your goals and circumstances.
Responsive communication
A relationship-driven approach that keeps you informed.
Multiple loan programs
Options for a range of qualified buyers, owners, and investors.
Loan solutions
Financing for different paths home.
Start with the essentials. A Vista loan officer can help you understand program eligibility, requirements, and next steps.
FHA Loans
Financing backed by the Federal Housing Administration, with qualification guidelines that may fit eligible homebuyers.
VA Loans
A home loan benefit for eligible veterans, active-duty service members, and certain surviving spouses.
Non-QM Loans
Specialized financing that may consider alternative documentation or property cash flow for eligible borrowers and investors.
A clear way forward
How it works.
A straightforward path designed to help you move from questions to closing with confidence.
01
Connect
Tell us about your goals and where you are in your journey.
02
Explore Your Options
Review suitable programs and understand the next steps.
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Submit for Approval
Complete your application and provide the required documents for review.
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Close
After final approval, prepare for your scheduled closing day.
People behind the process
Meet the Vista team.
Work with a mortgage professional who will take time to understand your financing goals.
Frank Armas
CEO & Co-Founder
Cesar Villarreal
CEO & Co-Founder
Plan with confidence
Mortgage payment estimate.
Adjust the details below to explore an estimated monthly principal and interest payment.
Estimated principal & interest$2,275/mo
Enter a hypothetical rate for planning—not a quoted rate.
Estimated payment
Principal & interest
$2,275/mo
Estimated loan amount$360,000
Down payment20.0%
Loan term30 years
For planning purposes only. This is not a loan quote, offer, or commitment to lend. The estimate excludes taxes, insurance, mortgage insurance, HOA fees, closing costs, and other charges. Actual rates, payments, and eligibility may vary.
Discuss this estimateFor real estate professionals
A financing partner for you and your buyers.
Vista Capital works collaboratively with Realtors and referral partners to support buyers throughout the mortgage process—with clear communication, practical guidance, and shared focus on the path to closing.
✓ Responsive communication✓ Program guidance✓ Buyer-focused support✓ Closing coordination
Partner With VistaReady to Make Your Move?
Explore the application options or connect directly with a loan officer.