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Option 1 Home Loans: Professional Mortgage Services
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TYPE OF LOANS we assist you with...
FHA LOANS
VA LOANS FOR OUR HEROES
CONVENTIONAL LOANS
Buy a House with a 3.5% Down Payment and an FHA Loan
FHA loans are loans guaranteed by the Federal Government and are flexible to qualify for. You can qualify from a credit score of 500. FHA loans carry a mortgage insurance policy during the term of loan. FHA is a very popular loan type.
CONVENTIONAL LOANS
VA LOANS FOR OUR HEROES
CONVENTIONAL LOANS
A conventional loan allows to purchase a house with low down payment as low as 3%. These loans are available for borrowers with a credit score of 620+. These loans also carry a lower mortgage insurance policy.
There's also down payment assistance programs available.
VA LOANS FOR OUR HEROES
VA LOANS FOR OUR HEROES
VA LOANS FOR OUR HEROES
This program is a benefit earned by eligible Veterans, active-duty service members, and certain surviving spouses to help them achieve homeownership. VA Loans offer 0% Down Payment and low investment for qualified Veterans.
This program is available in all 50 states.
USDA LOANS
VA LOANS FOR OUR HEROES
VA LOANS FOR OUR HEROES
USDA Loan, is a mortgage insured by the U.S. Department of Agriculture (USDA).
It's designed to promote homeownership in rural areas by providing affordable financing to low- to moderate-income borrowers. You can purchase a home in rural American with a 0% Down Payment.
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
California offers various down payment assistance programs to help homebuyers, especially first-time buyers, achieve homeownership. These programs often come in the form of grants or deferred-payment loans, which can cover a portion of the down payment and/or closing costs. Credit score needed be as low as 580. Down Payment is available for houses, manufactured homes, condos & townhomes.
MOBILE HOME LOANS
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
Chattel Loans are specialized personal property loans used to purchase a mobile home itself, without necessarily including the land. They are often used for homes in manufactured housing communities on leased lots. Chattel loans typically have shorter repayment periods and higher interest rates than traditional mortgages, but may have lower closing costs and easier qualification requirements.
COMMERCIAL LOANS
DOWN PAYMENT ASSISTANCE
COMMERCIAL LOANS
Option 1 Home Loans specializes in providing tailored commercial loan solutions, including SBA Programs with down payment as low as 10% and Traditional Commercial Loans typically starting with a 20% down payment. We finance various commercial property types such as office buildings, retail spaces, industrial warehouses, multi-family dwellings, and mixed-use properties ad more!
