Mortgage Broker Irvine, CA
OnPoint Mortgage Pro is a leading mortgage broker in Irvine, CA. We are dedicated to helping you find the perfect loan to make your dream home a reality!
Our Mortgage Rates as of April 23, 2025
Your Trusted Mortgage Company in Irvine, CA
OnPoint Mortgage Pro is your premier mortgage company in Irvine, CA. Whether you are a first-time homebuyer, looking to refinance, or seeking investment opportunities, our dedicated team of expert mortgage brokers in Irvine is here to guide you every step of the way. With a commitment to exceptional service and tailored solutions, OnPoint Mortgage Pro ensures that your home financing experience is smooth, efficient, and personalized to your unique needs.
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 offer financing solutions but also strive to make the process as transparent and straightforward as possible. Our mission is to empower individuals and families on their journey to homeownership by ensuring they find a loan program that fits 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
Owning a home can provide stability, build equity, and offer a sense of pride and belonging in a community.
Prequalifying
We know the industry secrets and have assisted others in pre-qualifying for their dream home with our expert guidance.
Refinancing?
Our team is dedicated to helping you navigate the complexities of mortgage financing and exploring your options.
Prequalifying
We know the industry secrets and have assisted others in pre-qualifying for their dream home with our expert guidance.
Refinancing?
Our team is dedicated to helping you navigate the complexities of mortgage financing and exploring your options.
Our 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.
Why Choose Us for Mortgage in Irvine?
At OnPoint Mortgage Pro, we understand that securing a mortgage is one of the most significant financial decisions you will make. Our goal is to simplify the process, offering comprehensive support and expert advice to help you achieve your homeownership dreams. Here’s what sets us apart.
Experienced Mortgage Brokers
Our team of experienced mortgage brokers has extensive knowledge of the Irvine, CA housing market and a deep understanding of the various mortgage products available. We leverage this expertise to find the best mortgage solutions tailored to your specific situation.
Personalized Service
At OnPoint Mortgage Pro, we believe that every client is unique. We take the time to understand your financial goals and circumstances, providing personalized advice and mortgage solutions that align with your needs. Our client-focused approach ensures that you receive the attention and support you deserve throughout the mortgage process.
Wide Range of Mortgage Options
We offer an extensive array of mortgage products to suit diverse financial needs. From conventional loans and FHA loans to VA loans and more, OnPoint Mortgage Pro has access to a variety of lending options to ensure you get the best possible rates and terms.
Streamlined Process
Navigating the mortgage process can be daunting, but it doesn’t have to be. Our streamlined application process is designed to be efficient and straightforward, minimizing the stress and hassle often associated with securing a mortgage. From pre-approval to closing, we handle the details so you can focus on finding your dream home.
Competitive Mortgage Rates
We pride ourselves on offering competitive mortgage rates that help you save money and achieve your homeownership dreams. Our reputable lenders secure competitive rates and favorable terms for our clients. Whether you’re purchasing a new home or refinancing an existing mortgage, our expert brokers work diligently to ensure you receive a mortgage solution that fits your financial goals and budget.
Customer Commitment
Our customer commitment is at the heart of everything we do. We provide exceptional service, transparent communication, and personalized mortgage solutions tailored to your unique needs. Our goal is to empower you on your journey to homeownership, ensuring a smooth and stress-free process from start to finish.
Contact Us
Your journey to homeownership or financial freedom begins with a single step. Contact us today to schedule a consultation with one of our expert mortgage brokers. Let us help you navigate the mortgage landscape and secure the best financing for your needs.
ADDRESS 1:
530 Technology Drive #100 Irvine, CA 92618
PHONE:
(949) 486-8200
ADDRESS 2:
9169 W State St #805 Garden City, ID 83714
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.