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Specializing in Goodyear Home Loans

From first-time homebuyers to seasoned investors, every buyer comes to us with a different situation, a different timeline, and a different set of goals. That's why we don't lead with products we lead with questions. Once our team at Zetta Mortgage understands where you're starting from, we'll find the loan program that gets you where you want to go.

Low or No Down Payment

From FHA and VA loans to down payment assistance, we'll help you find a path to homeownership.

Explore Programs →

Refinance

Lower your payment, shorten your term, or put your home's equity to work. There's more than one way to optimize your mortgage.

See Refinance Options →

Mortgage Calculator

Run the numbers on your own terms. Estimate monthly payments, compare loan scenarios, and go into every conversation prepared.

Use The Calculator →

Let's find the right loan for you.

Get a personalized look at your options.
A few quick details are all that's needed.

Why Choose Us?

  • Fast Pre-Approvals

  • Competitive Local Rates

  • Weekend Availability

  • Digital Closing Options

Your Path to Homeownership

  • 1

    Tell Us About You

    Share basic info like income and down payment goals.

  • 2

    Explore Options

    Compare loan types, rates, and terms side-by-side.

  • 3

    Get Pre-Approved

    Receive a conditional offer letter to start shopping!

  • 4

    Search for Homes

    Visit properties and put offers in.

  • 5

    Closing

    Offer accepted, loan funded and you are ready to move in!

5 Stars

Our clients are the foundation of our success:

  • Javier es una persona muy amable el nos ayudó en la búsqueda de nuestra casa y nos asesoro con todo el tramite es muy profesional y puntual les recomiendo sus... read more

    Yolanda Rivera Avatar Yolanda R.

    Una persona muy profesional. Siempre respondía mis mensajes y llamadas. Con mucha paciencia , siempre me mostraba opiniones sin presionarme a comprar lo que yo no quería . Estoy muy agradecido... read more

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    Carli Pujols Avatar Carli P.

    Julio Zuniga from Zeta Mortgage is truly the best realtor on the market. He was always available, informative, always willing to explain completely if I didnt understand something. He made... read more

    Esther Castillo Avatar Esther C.
  • I am exceptionally pleased with the service provided by Javier Porras. From our initial interaction, he demonstrated a high level of honesty, respect, and professionalism. The entire process was remarkably... read more

    Hector Romero Avatar Hector R.

    Team was very professional. 👍

    Brian Mendiola Avatar Brian M.

    Great service and excellent communication. I’ll definitely be reaching out to Javier for my next home purchase.

    Christopher De la cruz Avatar Christopher D.
  • Excellent experience with Javier Porras from Zetta Mortgage. He was very efficient, fast, and made the entire process super easy. He helped me buy my home quickly and explained everything... read more

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    Alejandra Duran Avatar Alejandra D.

    Muy buena atención gracias

    Iram Chavarin Avatar Iram C.

    Javier porras muchas gracias por su ayuda realmente nos hiso más fácil nuestro esperiencia como compradores por primera vez muy amable y siempre a dispuesto a brindar su ayuda muy... read more

    Gaudencio Hernandez Avatar Gaudencio H.
  • Very helpful and very efficient. Still very helpful even after closing and everything. 100% recommend.

    Princess Ayala Avatar Princess A.

    Javier es una persona muy amable nos ayudo en todo el proceso para comprar nuestra casa, muchas gracias

    Stephany Alvarado Avatar Stephany A.

    Muy profecional en su trabajo. Muy claro para explicar. Gracias

    Isabel Gamez Avatar Isabel G.
  • Wow! I'm so glad to find Javier for my Mortgage Lender when purchasing my first home, he made the whole home buying process a breeze, I would definitely buy with... read more

    Dream Avatar Dream

    Javier was great to work with. He answered all our questions helped us get all the information we could. if I were to buy a house again, I would call... read more

    Adam Kestell jr. Avatar Adam K.

    Javier made the house buying process smooth ,was there to answer all my questions when needed !

    Daniel Zavala Avatar Daniel Z.
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Meet Your Loan Officer

Javier Porras & The Team

We are dedicated to providing exceptional service and building lasting relationships. When you work with us, you aren't just a number - you're a neighbor.