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Our Mortgage Rates as of November 18, 2024
Client Reviews
Gary Chisholm2024-10-18Victor was great and always avalibleJoshua Cruz2024-10-18I 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 Evaristo2024-10-17I 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 EvaristoBelinda Childers2024-10-12Victor was a pleasure to work with he was very professional !!Lady T2024-10-10My husband and I recently utilized Victor to refinance our home and it was a fantastic hassle free process. Victor explained everything very thoroughly and always made himself available to us when we had questions. The icing on the cake was the quick turnaround time too. We definitely recommend Victor and look forward to utilizing his services again in the future.BEST BEST2024-10-07Victor was awesome! I could not ask for more from him. He made a whole loan process easy. He is highly recommended!eunice chun2024-10-07Victor was so professional and very helpful during the entire our loan process. Highly recommend!KRE'O ROWLETTE2024-09-20I would like to Thank Victor Santos and OnPoint Mortgage Pro for such a beautiful refinance transition. Victor was very instrumental in making things as easy as possible for us. Out of our prior refinance experiences this has been 100. Looking forward to working with Victor and OnPoint Mortage Pro in the near future. Thank you so much! James and Elouise FryeT E2024-09-04My contact with Victor Santos was extremely pleasant throughout the whole refinance process. His professionalism, reliability and patience was a significant factor on why I chose to stay with OnPoint Mortgage Pro. He was informative, responsive, and returned all correspondence to answer questions/address any issue not only in a timely fashion, but he clearly explain the complex contract details which was particularly helpful for me. Victor effective communication was pivotal in fostering a transparent and trusting relationship, which was essential for me throughout the refinance process regarding a significant financial transaction. I highly recommend Victor Santos!!Diana Goolsby2024-05-20We recently had the pleasure of working with Victor Santos as our mortgage loan officer, and we cannot recommend his services highly enough. From the very beginning, Victor demonstrated an incredible commitment to understanding and addressing our financial needs with the utmost sensitivity and respect. Navigating the complexities of a home loan, especially in these times of high interest rates and significant closing costs, can be daunting. However, Victor handled our loan with genuine care and professionalism. He made it a point to ensure that every decision was in our best interest, never compromising our financial well-being. Victor's approach is built on trust and transparency. He took the time to explain every detail, answer all our questions, and provide us with the best options available. His dedication to finding solutions that accommodated our specific circumstances was evident throughout the entire process. We truly appreciate the respect and thoughtfulness Victor brought to our home loan experience. His ability to balance our needs with the realities of the current market was nothing short of impressive. Thanks to his efforts, we felt confident and secure in our financial decisions. Thank you, Victor, for your outstanding service. We give you the highest marks for a job exceptionally well done! Jim & Diana Goolsby
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.
CA ADDRESS:
530 Technology Drive #100 Irvine, CA 92618
CA PHONE:
(949) 486-8200
ID ADDRESS:
9169 W State St #805 Garden City, ID 83714
ID PHONE:
(208) 500-2209
NMLS ID:
2134550
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: Appointment Only
- Sunday: Closed
OnPoint Mortgage Pro is licensed by the
CA DFPI, CO DoRA, ID DoF, SC-DCA, 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.