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Do I need perfect Credit? Nope! You don’t need perfect credit — many of our buyers qualify with scores as low as 580. We’ll help you understand your options and build a clear plan.

How much do I need for a down payment? You can buy a home with as little as 3% down — and some buyers qualify for down payment assistance that covers even more.

What if I don’t have a lot of money saved? You’d be surprised. There are first-time buyer programs that help cover closing costs or reduce upfront expenses. We’ll show you exactly what you qualify for.

How do I even get started? It starts with a quick, free 15-minute call — no pressure, no commitment. Just a conversation to see what’s possible and map out your next step.

How long does it take to buy a home? Once you’re pre-approved, most of our clients are in their new homes in 30–45 days. We guide you every step of the way so you’re never lost.

DAVE SOZA,
POWERHOUSE MORTGAGE

Welcome to Powerhouse Mortgage. I'm Dave Soza — and around here, it’s simple: no pressure, no gimmicks, just real conversations that help you make smart decisions.

We don’t believe in “selling” you a loan. We believe in giving you the knowledge to understand your options and take control of your next move.

Whether you’re buying your first home or getting back into the market, we’re here to walk you through it — with honesty, transparency, and real answers that fit your situation.

Frequently Asked Questions

What documents do I need to apply for a mortgage?

You’ll typically need proof of income, bank statements, tax returns, and credit information. Specific requirements may vary by lender.

How much can I borrow for my mortgage?

Your borrowing amount depends on your income, credit score, down payment, and debt-to-income ratio. A pre-approval can give you a clearer estimate.

What’s the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage has a steady interest rate throughout the term, while an adjustable-rate mortgage (ARM) has a rate that may fluctuate after an initial fixed period.

How long does the mortgage approval process take?

The timeline can vary but generally takes 1-7 days, depending on factors like document verification, appraisals, and lender-specific processes.

Testimonials

"I enjoyed working with Dave Soza. He helped our family get our first mortgage, and I appreciated him taking the time to teach me about the lending process. Thank you, DaveDavid Soza in Downey is exceptional! He guided me through the entire loan process with expertise and professionalism. I felt supported every step of the way. Highly recommend his services for home purchase or refinance."

— Leo R. / Corona, CA

"Everything about working with David was a dream. He is helpful, honest and very easy to deal with. He also got us the best deal! Could not recommend him enough. He's a master of his craft. The education that he provides is insurmountable, the trust he provides is invaluable, his professionalism and his ability to navigate the waters of the loan industry is only a small fraction of the reason I will (and do) send all of my friends, family and esteemed colleagues to David. The value he provides is unmatched."