Mortgage services
Financing, from the same office
National One Mortgage Corp. was founded in 1990 and has originated Southern California home loans for 36 years. NMLS #246740.
Customer for life
A genuine belief in the “customer for life” principle is what fuels the company. Referrals from previous customers and local real estate professionals have always delivered the majority of our production — which is a harder standard to meet than buying leads, and a better one.
From processing and underwriting through closing and funding, our staff works the file and keeps you informed at each step. We respond to changes in the mortgage market as they happen, and we look for niche programs when a standard one does not fit the borrower in front of us.
What we will not do is tell you what rate you will get before anyone has looked at your file. Rates depend on credit, the property, the program and the market on the day you lock. Anyone quoting you a number before that is guessing.
Fixed or adjustable
Fixed-rate
The rate does not change. Worth considering if you plan to stay long term and want payment stability. Available in 15, 20 and 30-year terms.
Adjustable-rate (ARM)
A lower initial rate that adjusts later on a set schedule. Worth considering for shorter ownership horizons — but understand the adjustment terms before you sign.
Convertible ARM
Starts as an ARM with an option to convert to a fixed rate later, under the terms in your note.
Programs worth asking about
Conventional
Standard purchase and refinance financing for borrowers who meet conforming guidelines.
FHA
Lower down payment options, often used by first-time buyers. Mortgage insurance applies.
VA
For eligible veterans and service members. Often no down payment required; eligibility rules apply.
Jumbo
Financing above conforming loan limits, for higher-priced properties.
Refinance
Rate-and-term or cash-out, depending on your goal and the equity in the home.
Reverse mortgage
For eligible homeowners 62 and older, converting equity into funds repaid when the home is sold.
Start a conversation
Planning ahead
Payment estimator
Move the sliders to see how price, down payment, rate and term change a monthly payment. It is a starting point for a conversation, not a quote.
Estimated principal & interest
$3,287/mo
- Loan amount
- $520,000
- Down payment
- $130,000
- Payments
- 360
Principal and interest only. Your actual payment will also include property taxes and homeowners insurance, and may include mortgage insurance, HOA dues, or a special assessment. Rates shown are illustrative and are not an offer of credit.
Talk to a loan officeror call (951) 684-2600
Get pre-approved before you tour
A pre-approval tells you what is genuinely in range and strengthens your offer when you write one. It takes a call.
Equal Housing Lender
National One Mortgage Corp., NMLS #246740. Loan programs, rates, terms and conditions are subject to change without notice and are subject to credit approval, income verification, property appraisal and underwriting guidelines. Nothing on this page is a commitment to lend, an offer of credit, or a rate lock. Not all applicants will qualify, and program availability varies by state and by property. Information on program eligibility and down payment assistance is general and changes frequently — confirm current details with a licensed loan officer before relying on any of it. Consumers may verify licensing at the NMLS Consumer Access website. National Realty Group and National One Mortgage Corp. are independently operated affiliated companies sharing common ownership; you are never required to use an affiliated company as a condition of any transaction.