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TOP ONEREALTY & MORTGAGE

Home loans for a brighter tomorrow

Find the right loan for your next home.

Competitive rates. Trusted guidance. 20+ programs for buyers, self-employed borrowers, and investors — all under one roof with your real estate agent.

Get pre-approved See loan programs

Mortgage calculator

Loan term

Your estimated payment

$5,762

per month

  • Principal & interest$4,741
  • Property tax$871
  • Insurance$150
  • Loan amount$760,000
  • Total interest over term$946,908
Get my real rate

For illustration only. Sample rate 6.375% / 6.512% APR, 30-year fixed, $760,000 loan, 780 FICO, 20% down, 0.5 points. Payment does not include PMI or HOA. Actual rate and APR depend on your credit and loan details. Not a commitment to lend.

Our loan programs

Flexible options for every stage of homeownership

ConventionalFixed or adjustable. As little as 3% down for first-time buyers.From 3% down · 620+ creditFHAGovernment-backed loan with flexible credit rules.From 3.5% down · 580+ creditVAFor veterans, service members, and eligible spouses. No PMI.0% down · No PMIJumboFor loans above the conforming limit in high-cost areas.Up to $3M+ · 10% downFirst-Time HomebuyerDown payment help programs, including CalHFA options.Grants & assistanceRenovation (FHA 203k / HomeStyle)Buy and fix in one loan, based on the after-repair value.One loan, one closingBank StatementQualify with 12 or 24 months of bank statements. No tax returns.For self-employed1099 IncomeUse 1099 forms to show income — good for contractors.For freelancersP&L OnlyQualify with a profit and loss statement from your CPA.For business ownersAsset DepletionUse savings and investments to qualify instead of income.For retirees & investorsITINHome loans for borrowers with an ITIN instead of an SSN.No SSN neededForeign NationalFor buyers who live outside the U.S.No U.S. credit neededDSCRQualify with the rental income of the property, not your income.For rental propertiesFix & FlipShort-term financing to buy, renovate, and sell.Fast closingHard Money / BridgeAsset-based short-term loans when speed matters.Close in daysCommercialMixed-use, multi-family (5+ units), and commercial buildings.5+ units & mixed-useRate & Term RefinanceLower your rate or change your loan term.Lower your paymentCash-Out RefinanceTurn your home equity into cash for any goal.Use your equityHELOCA line of credit on your home. Borrow only what you need.Flexible accessStreamline RefinanceFaster FHA or VA refinance with less paperwork.FHA & VA only

From application to keys

A clear path, with updates at every step

Most of our purchase loans close in 21 to 30 days.

  1. Apply online — 10 minutes

    Tell us about your goals, income, and assets. No hard credit check to start.

  2. Pre-approval letter — within 24 hours

    Your loan officer reviews your file and sends a letter you can attach to offers.

  3. Offer accepted — lock your rate

    We order the appraisal and send your file to underwriting.

  4. Clear to close — get your keys

    Sign your documents and move in. Your agent and lender are with you the whole time.

Common questions

Does pre-approval affect my credit score?

Starting your application does not. We only do a credit check after you give permission, and you can ask for a soft check first.

How much do I need for a down payment?

It can be as low as 0% for VA loans, 3% for some conventional loans, and 3.5% for FHA. Jumbo and investor loans usually need 10–25%.

I am self-employed. Can I still qualify?

Yes. Bank statement, 1099, P&L, and asset-based loans use other proof of income instead of tax returns.

What is the difference between rate and APR?

The rate is the cost of borrowing the money. APR includes the rate plus fees and points, so it shows the full yearly cost of the loan.

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Lender