HOME LOANS SIMPLIFIED

Discover The Rate You Could Have

Save With Our Very Low Cost Loan

It's ok if you are not sure yet, just Give us your best Guess

CASH OUT

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Clear and Simple Home Loans

Lead the Way: Handle Credit, Documentation, and Approval with Ease


See the Rate You Could Lock In Today

Get More Value with Our Affordable Loan

It's ok if you are not sure yet, just Give us your best Guess

CASH OUT

Your taxes and insurance are included in the payment or they are paid separately?

I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from O1ne Mortgage Inc. Message frequency varies. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

ABOUT OUR COMPANY

Why Should You Choose Us?

You will have access to the entire mortgage procedure at your fingertips. Our loan processing is handled by our AI flow system, which enables us to pass on the cost of human processing to our customers. Our service is entirely online, through a highly secure and encrypted application, which will minimize the loss or confusion of submitting or processing documents.

lightning speed loan with our AI loan processing flow.

Highly competitive rate, we beat pretty much any rate in the market

the lowest cost you possibly can find.

20

YEARS OF EXPERIENCE

100%

Customer Satisfaction Rate

100%

Online A to Z Loan Process

WHAT WE OFFER

Our Core Service

Variety of Loan Product Which Helps Tailor the loan to fit your needs

Purchase Home Loan

Buying a home is achievable through various loan programs that fit your qualifications, offering tailored options to suit your financial needs and homeownership goals.

Conventional with as low as 3% down payment

FHA with as low as 3.5% Down Payment

VA with 0% Down payment

USDA with 0% Down payment

Refinance Cash out

Cash-out refinancing can be a valuable option for consolidating debt, combining multiple mortgages, or financing home improvement projects, providing greater financial flexibility and control.

Conventional - cash out up to 80% of the property value

FHA - cash out with 85% of the property value

VA - cash out can be up to 100% of the property value

Refinance Rate and Term

Rate and Term refinancing is designed to help you lower your interest rate when market rates drop or adjust your mortgage term to 30, 20, or 15 years, depending on your financial goals.

Conventional - up to 95% of the Home Value

FHA will be done Streamline which cover 100% of the loan.

VA IRRRL will cover 100% of the loan

Home Equity Mortgage

A Home Equity Mortgage is an excellent way to access tax-free cash without affecting your first mortgage. Currently, this loan allows you to borrow up to 80% of your property's value.

Second Mortgages can go up to 89.99% of the property value

Second mortgage are fully amortized 30yr, 20yr, or 10yr.

minimum credit score to obtain Home equity mortgage is 680.

Home Loans For Investors

The Investor Program is specifically designed for experienced real estate investors who are purchasing or refinancing investment properties intended for long-term business purposes.

Investment Purchase

Investment Rate and Term

Investment cash out

Bank Statement

Special loans are available for self-employed borrowers with strong cash flow who need flexible qualification solutions due to high recorded debt and expenses.

tax return will not be required

Debt to income is up to 50%

Bank statements used to prove income

Our Team

David Rivas

Ashley Tostado

Diane Contreras

Ben O'neil

Do You Have Queries? Please Go Through 'Frequently Asked Questions' First


What are the required qualifications for obtaining a mortgage?


To qualify for a mortgage, lenders typically look at your credit score, income, debt-to-income ratio, employment history, and the amount of down payment you can make. Each lender may have different requirements, so it's essential to understand the specific criteria. To get a detailed understanding of what you may qualify for, I encourage you to fill out the form on this page above. This will allow one of our experienced loan officers to provide you with a personalized mortgage quote and guide you through the qualification process.

How do I contact you if I have questions?

Reach out to us effortlessly:

🌐 chat with us on https://pomonamortgageloans.com

πŸ“§ [email protected]

πŸ“ž 888-378-4065


How do I choose the best mortgage type for my situation?

Choosing the right mortgage depends on your financial situation, how long you plan to stay in the home, and your risk tolerance regarding interest rate fluctuations. We offer both fixed-rate and adjustable-rate mortgages. To decide which is best for you, please fill out our form above to receive a tailored quote and advice from our loan officers who can provide guidance based on your specific financial goals.

What is the difference between pre-qualification and pre-approval for a mortgage?

Pre-qualification is an initial assessment to give you an idea of how much you might be able to borrow. It's based on information you provide and does not include an in-depth credit review. Pre-approval is more comprehensive; it involves verifying your financial information and credit rating, giving you a better indication of what you can actually afford. It's useful when making offers on homes. For further clarity and to start either process, please fill out our online form above. Our team is ready to assist you with detailed insights and next steps.

POMONA MORTGAGE AND REAL ESTATE

Navigating the Mortgage Landscape in Pomona

In 2024, the city of Alhambra, CA, finds itself at the heart of a booming real estate market. With a robust surge in home prices and a mortgage industry bustling with activity, residents and prospective homebuyers are navigating a landscape filled with opportunities and challenges. Amid these dynamic conditions, Alhambra Mortgage Lender emerges as a crucial ally, offering innovative solutions to make home ownership more accessible and affordable in Alhambra.


The Rising Real Estate Market in Pomona

The real estate scene in Pomona is characterized by a significant upward trend, with median home prices reaching around $615,000, marking an average increase of approximately 5.9% year-over-year. This escalation in prices is coupled with a competitive market environment where homes frequently sell above their listing price, often within less than a month on the market. Such conditions underscore the high demand and spirited buyer competition prevalent in the city.


Pomona Mortgage Lender: A Partner in Home Financing

In this competitive landscape, Pomona Mortgage Lender stands out by offering tailored mortgage solutions that cater to the diverse needs of Pomona’s residents. Recognizing the hurdles of securing favorable mortgage rates, the company leverages its local expertise and extensive network to provide some of the best rates available. This is crucial in a market where securing a mortgage at a competitive rate can significantly impact the overall affordability of homeownership.


Innovative Mortgage Solutions

Pomona Mortgage Lender isn't just about finding you a loan; it's about finding the right loan that fits your life. Their commitment to innovation is evident in their automated loan processing system. This cutting-edge technology simplifies the mortgage application process, making it faster, more efficient, and less cumbersome for applicants. By reducing the paperwork and streamlining the steps required to secure a loan, the company not only enhances the customer experience but also speeds up the journey to homeownership.


Educational Resources and Customer Support

Understanding that the mortgage process can be daunting, Pomona Mortgage Lender places a strong emphasis on education and transparency. They offer a wealth of resources aimed at demystifying mortgage terms, rates, and processes. Their dedicated team of professionals is always ready to provide personalized advice and support, ensuring that clients make informed decisions that best suit their financial and personal circumstances.


Community Impact

The impact of Pomona Mortgage Lender extends beyond individual homebuyers to the broader community. By facilitating more accessible home financing, the company plays a pivotal role in the economic vitality of Pomona. Homeownership is a critical driver of local economic activity, spurring growth in home-related purchases and improvements, and contributing to overall community development and stability.

Office:
300 S Park Ave,

Pomona Ca 91766

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