Irma Arteaga
Loan Officer
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NMLS ID# 1526909
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Irma
Irma Arteaga is a dedicated loan officer at Lower Mortgage with over 25 years of experience in the real estate and mortgage industry. Since 1998, She has been passionately helping homebuyers find the perfect loan to fit their needs. As a bilingual professional fluent in English and Spanish, she is committed to making the loan process accessible and straightforward for a diverse range of clients. She specializes in assisting first-time homebuyers, guiding them through every step with care and expertise. Beyond her professional life, She is a proud and devoted mother and wife of over 26 years. Her family values drive her to provide exceptional service and personalized attention to each client, ensuring they feel supported and confident in their home-buying journey. By choosing Irma Arteaga as your loan officer, you will gain a reliable partner who genuinely cares about your homeownership dreams by finding the right loan for you.
Learn About Lower Reverse Mortgages
If you're age 55 or older, your home equity can be a powerful financial tool. Whether you're looking to buy a home, refinance your current mortgage, or access additional equity, Lower offers a range of reverse mortgage solutions designed to help you achieve your retirement goals.
No Monthly Payment
With eligible reverse mortgage products, you can eliminate your required monthly principal and interest payment.
Flexible Ways to Receive Funds
Depending on the solution you choose, you may receive funds as a lump sum, monthly payments, a line of credit, or a combination of options.
Access Equity When You Need It
A standby line of credit you only tap into if and when you need it.
Purchase, Refinance, or Access Equity
Use a reverse mortgage to buy your next home, refinance your current mortgage, or open a standby line of credit against your equity.
I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her great communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with
Noah M.
Verified Customer
August 4, 2026
Irma Arteaga was always polite and supportive on the different stages of the process.
Hector S.
Verified Customer
June 3, 2026
One thing I truly appreciate in a person or company is honest and genuine communication. That’s exactly what I experienced with Irma. From the very beginning, she was transparent, trustworthy, and sincere — qualities that are hard to find these days. To me, a great experience is feeling confident and secure because the information being shared is honest and legitimate. It gives you peace of mind and reassurance that you’re making the right decision.
Arisbel B.
Verified Customer
May 29, 2026
One thing I truly appreciate in a person or company is honest and genuine communication. That’s exactly what I experienced with Irma. From the very beginning, she was transparent, trustworthy, and sincere — qualities that are hard to find these days. To me, a great experience is feeling confident and secure because the information being shared is honest and legitimate. It gives you peace of mind and reassurance that you’re making the right decision.
Jesus B.
Verified Customer
May 29, 2026
Irma has great communication skills and always kept me up to date on the progress of my loan. I trust Irma to find the best option for my loan needs.
Omar H.
Verified Customer
April 22, 2026
I am truly grateful to Ms. IRMA ARTEAGA , a professional, patient, and diligent individual, for her assistance in helping me with her team to achieve my dream.🤗 Thank you very much Irma 😊🙏
Ricardo C.
Verified Customer
April 13, 2026
Carlos C.
Verified Customer
March 6, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
