Better Rate Closing Cost Guidance Mortgage !

Low Mortgage Rates
Expert Finance Assistance

Click below for a free consultation without a credit check.

OnPoint Mortgage Pro

Our Mortgage Rates as of October 10, 2024

5.750%

Conventional - 5.9% APR

5.500%

VA - 5.7% APR

5.625%

FHA - 6.5% APR

22 Years

Mortgage Experience

Client Reviews

OnPoint Mortgage Pro highly values and appreciates the feedback and reviews shared by our customers. They serve as a guiding light, helping us continually improve everything that we do and letting others know who to trust.

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 Loan

Conventional

The most common type of loan due to their flexibility, interest rates and suitability for borrowers with good credit histories.

VA Loan Eligibility Requirements

VA

Available to active and veteran personnel and their surviving spouses. Includes no money down and no PMI.

Mortgage Broker Irvine, CA

FHA

Great for a broader range of individuals with low credit scores and smaller down payments such as 3.5% down.

Non-QM Loan

Non-QM

Providing borrowers who don’t meet traditional mortgage standards while offering flexibility through verification.

Reverse Mortgage

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

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:

Contact Form

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.

Equal House Lender
UWM
Flagstar Bank
Longbridge
Freedom Mortgage
Cardinal
PennyMac
Provident Funding