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Our Mortgage Rates as of April 23, 2025
Client Reviews
Christopher Houghtaling2025-04-11Trustindex verifies that the original source of the review is Google. Honest, Straightforward and No Nonsense, we had a easy refinance experience on our home here in CA and would recommend Victor to our friends Isaac B2025-03-14Trustindex verifies that the original source of the review is Google. As daunting as refinancing might seem, Victor walks you through and explains every step. I was aware of all my options and any questions I had were quickly answered. Victor ensured the process was smooth and extremely efficient. I would not hesitate to reach out to for any future services. Thank you Victor! Denise Garrett2025-03-03Trustindex verifies that the original source of the review is Google. My experience working with Victor goes beyond the highest level of professionalism! He was absolutely wonderful and so very amazing to work with! He went above and beyond as it relates to ensuring that everything was properly prepared through completion! I couldn't be more satisfied with his service! Outstanding!!!! Mimi Lee2025-01-17Trustindex verifies that the original source of the review is Google. Had to refinance my home and Victor was on top of everything. Tx so much🙏 Joanna Goertz2024-12-11Trustindex verifies that the original source of the review is Google. My husband and I have used Victor and OnPoint for several and look to him when we've refinanced or purchased property. His knowledge, experience, professionalism and timelines are all reasons why we continue to come back! Rebels Sales & Marketing2024-12-09Trustindex verifies that the original source of the review is Google. I had an outstanding experience with on point mortgage pro. They were honest, punctual, and provided a highly professional service. I appreciate their commitment to quality and would definitely recommend them to others!" ron caringal2024-11-29Trustindex verifies that the original source of the review is Google. Victor was easy to deal with. He made the effort to exhaust all possible means for him to meet my target loan amount given the predicament. Gary Chisholm2024-10-18Trustindex verifies that the original source of the review is Google. Victor was great and always avalible Joshua Cruz2024-10-18Trustindex verifies that the original source of the review is Google. I highly recommend Victor Santos, (OnPoint Mortgage Pro)to anyone looking for a trustworthy and dedicated mortgage broker. His expertise and commitment to client satisfaction truly set them apart! He made our mortgage closing as effortless and painless for us. Leona Evaristo2024-10-17Trustindex verifies that the original source of the review is Google. I had an outstanding experience working with Victor Santos at OnPoint Mortgage Pro. From the very beginning, he took the time to understand my unique financial situation and goals. He was incredibly knowledgeable about the mortgage process and guided me through each step with clarity and patience. What I appreciated most was his responsiveness; I could reach out with questions at any time, and he always made me feel valued and informed. He helped me secure a great rate and made the closing process seamless. I highly recommend Victor Santos, (OnPoint Mortgage Pro)to anyone looking for a trustworthy and dedicated mortgage broker. His expertise and commitment to client satisfaction truly set them apart! Sincerely Leona Evaristo
Buying A Home
We not only provide financing solutions but also strive to make the entire process as transparent and straightforward as possible. Our commitment is to empower individuals and families on their journey to homeownership, ensuring that they find a loan program that suits their needs and brings them closer to the dream of having a place to call home.
Taking The Right Steps
We will guide you through the entire process, providing detailed insights into the steps you will need to take for your first home.
Benefits of Owning a Home
Owning a home can provide stability, build equity, and offer a sense of pride and belonging in a community.
Prequalifying for a Mortgage
We know the industry secrets and have assisted others in pre-qualifying for their dream home with our expert guidance.
Refinancing Your Home
Our team is dedicated to helping you navigate the complexities of mortgage financing and exploring your options.
Our Home Loan Programs
Our home lending loan programs cater to diverse needs, offering options for first-time buyers, veterans, low-income families, and refinancing. From government-backed (FHA and VA) to conventional and specialized investment-purpose loans, these programs provide accessible paths to homeownership with tailored terms, accommodating various financial profiles and property types.
Conventional
The most common type of loan due to their flexibility, interest rates and suitability for borrowers with good credit histories.
VA
Available to active and veteran personnel and their surviving spouses. Includes no money down and no PMI.
FHA
Great for a broader range of individuals with low credit scores and smaller down payments such as 3.5% down.
Non-QM
Providing borrowers who don’t meet traditional mortgage standards while offering flexibility through verification.
Reverse Mortgage
Enabling homeowners aged 55+ and older to convert home equity into tax-free income or a lump sum, for financial flexibility.
Home Equity Loan
Homeowners can borrow against the equity in their homes, providing a lump sum of cash with a fixed interest rate.
Contact Us
Your dream home is just a call or a message away. Our team is dedicated to helping you navigate the complexities of mortgage financing and explore your options. Whether you have questions about loan programs, want to explore refinancing options, or need guidance through the application process, we’re here for you. Reach out to us today, and let’s start turning your homeownership dreams into a reality.
OFFICE HOURS:
- Monday: 8:00am – 6:00pm
- Tuesday: 8:00am – 6:00pm
- Wednesday: 8:00am – 6:00pm
- Thursday: 8:00am – 6:00pm
- Friday: 8:00am – 6:00pm
- Saturday: 8:00am - 1:00pm
- Sunday: Closed
OnPoint Mortgage Pro is licensed in:
CA, CO, ID, FL, MD, NH, SC, TX, VA. NMLS#2134550
We are a licensed professional business in mortgage lending and are committed to providing expert guidance and tailored solutions to help clients achieve their homeownership goals with confidence.