Aguilera's One Stop Services LLC

Phone

(512) 825-9844

Email

clemente.aguilera@outlook.com

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Aguilera's One Stop Services LLC

Make Appointment

Residential Lending & Home Loans Nationwide

  • Fast Approval
  • Competitive Rates
  • Expert Guidance

Home /Residential Lending

Trusted Residential Lending Services in Nationwide

Finding the right mortgage shouldn’t be stressful. At Aguilera’s One Stop Services, we offer fast residential lending with competitive rates and expert guidance. From first-time homebuyers to experienced investors, we’ve helped thousands of residents achieve their real estate goals.

What We Offer

Home Purchase Mortgages

Looking to buy a home ? We offer FHA loans (3.5% down), conventional mortgages (3- 20% down), and portfolio loans. Pre-approval in 48-72 hours.

  • Fast
  • transparent process

Home Refinancing

Refinance and lower your monthly payments. Cash-out refinancing and HELOC options are available to help you access your home equity. We make it simple with no hidden fees.

Investment Property Loans

Rental properties, fix-and-flip financing, multi-unit properties, DSCR loans, and hard money lending options are available. We understand investor needs.

Construction Loans

Building new or purchasing land? Construction-to-permanent loans available. Interest-only during construction, then convert to permanent financing.

Why Choose Us?

FAST PRE-APPROVAL

  • 48-72 hour pre-approval so you can start house hunting with confidence.

COMPETITIVE RATES

  • We shop rates from multiple lenders to get you the best deal available.

EXPERT GUIDANCE

  • Our mortgage specialists explain everything clearly and help you choose the right loan for your situation.

FLEXIBLE OPTIONS

  • FHA, VA, USDA, conventional, jumbo, portfolio loans. We have options for every situation.

COMPLETE SUPPORT

  • From application to closing, we handle the details and keep you updated.

Our Simple 4-Step Process

PRE-QUALIFICATION (2-3 days)

  • Share your financial info. Get a pre-approval letter in 48-72 hours.

FIND PROPERTY & APPLY (3-5 days)

  • Find your home. Submit a formal application. We ordered an appraisal and title work.

UNDERWRITING (5-7 days)

  • The Underwriter reviews your file. You may need additional documents. Get a clear-to-close status when approved.

CLOSING (2-3 days)

  • Final walk-through. Sign documents. Funds transfer. Keys in hand.

Total Timeline: 30-45 days

Loan Products We Offer

CONVENTIONAL MORTGAGES

  • Down payment: 3-20%
  • Credit score: 620+
  • Term: 15-30 years
  • Rates: Fixed or ARM
  • Fast approval
FHA LOANS

Perfect for first-time buyers. Down payment: 3.5% | Credit score: 580+ | Great rates | 15-30 year terms

VA LOANS

For veterans & service members. Down payment: 0% (no down payment!) | No PMI required | Competitive rates

USDA LOANS

Rural & suburban properties. Down payment: 0% | No down payment required | Great rates for eligible borrowers

JUMBO MORTGAGES

Homes over $500K. Down payment: 10-20% | Flexible terms | Competitive rates

INVESTMENT PROPERTY LOANS

Rental properties, fix-and-flip, multi-unit. DSCR loans available. Flexible terms for investors.

Let’s Work Together to Raise Your Credit Score and Profile to Create Opportunities and Make Your Family’s Dreams Come True.

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Our Services

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Whether you need business loans, credit repair, or tax services, Aguilera’s One Stop Services is here to help.

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Success Story: First-Time Homebuyers

  • First-time buyers wanted to purchase but worried about the down payment (only saved $35K).
  • SOLUTION: FHA loan option needed only $21K down on a $600K home. Pre-approved in 24 hours. Closed in 30 days.
  • RESULT: ✓ Dream home purchased | ✓ Down payment manageable | ✓ Smooth process | ✓ Happy homeowners.

Quick FAQ

FHA: 3.5% | Conventional: 3-20% | VA: 0% | USDA: 0%

Pre-approval: 48-72 hours | Full approval: 10-15 days | Closing: 30-45 days total

Conventional: 620+ | FHA: 580+ | VA: 580+ | We have options for lower scores too

Yes! Rate & term refinancing to lower payments. Cash-out refinancing to tap equity.

Absolutely! Rental properties, fix-and-flip, multi-unit properties. DSCR loans available.

What Customers Say

Pre-approved in 24 hours! First-time homebuyers, and they made everything simple. Highly recommend!

Joseph Homebuyer

Refinanced and saved $400/month. Better rates than my current lender. Seamless process!

San Antonio Homeowner

As an investor, I've worked with many lenders. Aguilera's moved fast on our investment property loan. Highly professional.

Dallas Investor