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Client Reviews
T 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 GoolsbyMichael Haubrick2024-05-02Victor is a great and caring individual. He has always taken time to listen and explores all options when helping with home financing.cesar castillo2022-06-28Mr. Santos is very helpful, profesional and knowledgeable about the mortgage industry. He was able to assist me in the question I had in order to find out how it would benefit me in refinancing my property. Mr. Santos even went the extra mile in assisting me. I totally recommend Mr. Santos for whom ever is thinking or has thought of refinancing their home. He will go out of his way in explaining what people should know or need to know on how to save money when making such an important decision.Marty Browder2022-05-12Victor was a pleasure to work with, a true professional with a personal touch. I will not hesitate to call on him again.Edward Piechocki2022-03-18Victor, helped us through the on-line remortgage process from the start to the finish. Even afterwards helped us with some questions. Great to work with someone that really know his business.FNU Amandeep2022-03-17OnPoint Mortgage Pro has a very professional form of service and responds quickly and effectively to its clients. I had a great experience refinancing my home mortgage with this company and was able to get the process done completely stress free. They finished it in only 15 days and gave me a better price than any other company. I definitely recommend others who need assistance in refinancing their mortgage to reach out to this company.Michael Lucas2022-03-03OnPoint Mortage Was there for me In refinancing my house. I got a great rate and the loan process was super easy. I highly recommend onpoint mortgage for your loan needs! MichaelBing S2022-03-01I couldn't have been happier with the results of our refinance. Not only that wife was able to buy a new car with this refinance but I was able to get a little bit of cash for rainy days. We were able to save well over $500/month with this refinance. Thank you OnPoint Mortgage Pro!
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.