You fought for the American Dream...

NOW START LIVING IT.

Rifles to Riches is a veteran-founded financial services network. Its founders, Matthew Ayala, a US Navy Veteran and Mortgage Loan Officer, and Aaron Torres, a US Marine veteran and Accountant, know how much effort it takes to build the American Dream. Now, they're using their wealth of knowledge to help those who fought for the American Dream to START LIVING IT, TOO!

Want to learn more? Click one of the buttons below to get started on your journey.

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What Does the American Dream Mean to You?

If you ask a hundred people what they think the American Dream is, they will give you a hundred different answers. But at the end of the day, the three most common responses to that question are real estate ownership, starting a small business and financial security. We help facilitate all three of those objectives: between helping people buy homes, scale their rental property portfolios, start a small business, file their taxes, build a tax plan and more.

Buying Homes

Information on how to get started with your VA Loan, loan programs, investing strategies and more.

Starting or Managing Your Business

Tax filing and consulting to help you start, sustain or scale your small business.

Mortgage Solutions to Help You Live Your American Dream

Helping Heroes Buy Homes
As a veteran himself, Matthew understands what it means to serve. His way of giving back to his fellow veterans, servicemembers, first responders, medical professionals, teachers and other hometown heroes is providing top-notch service to those buying homes, as well as programs exclusive to those professions!
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Multi-Family Acquisitions
The more, the merrier. Multi-family acquisition is how 95% of real estate investors have acquired (and more importantly, maintained) their wealth. You may even qualify for lower down payment requirements and lower interest rates if you occupy one of the units!
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ADU Financing
Accessory Dwelling Units (ADUs) are additional, smaller units on a single family home. Often called "casitas" or "granny flats", they serve multiple purposes, such as multi-generational living on a property, or additional rental income. While the permitting process is difficult, obtaining the funding for it has never been easier!
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Mortgage Assumption Gap Financing
Mortgage assumptions allow a buyer to take over a seller's existing mortgage, often at a lower rate than current market rates. For the longest time, the biggest thing holding borrowers back was paying the gap between the existing loan balance and the new purchase price; however, for qualified borrowers, we have options to bridge the gap for assumption purchases!
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Need Something?
Give Us A Call.

Matthew Ayala

U.S. Navy Veteran & Veteran Mortgage Advisor, VA Loan Guy team @ Acrisure Mortgage, LLC
Co-Founder, Rifles to Riches
NMLS no. 2517740

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Schedule a Consultation
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(619) 664-4050

Aaron Torres

U.S. Marine Veteran - Tax Professional
Co-Founder, Rifles to Riches

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Schedule a Consultation
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(619) 971-8041

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At Rifles to Riches, our mission is to help veterans, first responders and those who build and sustain our communities, live the American Dream.

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© 2025, Rifles To Riches. All Rights Reserved. And remember… you fought for the American Dream. Now start living it!

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