Los Angeles Home Loans and Mortgage Refinancing
Start with your financing goal
Los Angeles Mortgage Lender helps you explore buying a home, replacing a mortgage or accessing home equity. Choose the relevant path to compare costs and prepare questions for your loan officer.
Considering a HELOC?
The home-equity inquiry form on this page is a starting point for discussing your needs. Ask about credit review, property valuation, available amounts, fees and repayment terms; approval and funding timing are not guaranteed.
Borrowing against your home puts the property at risk if you cannot repay. Contact the LA office for questions about other loan products.
Home equity inquiry
Compare ways to use home equity
A cash-out refinance replaces your existing mortgage. A home equity loan or HELOC may leave that mortgage in place but adds another obligation secured by your home. Compare the combined payments, fees and repayment terms before choosing.
A home equity loan generally provides a lump sum; a HELOC is a line of credit with draw and repayment terms. Ask whether the rate or payment can change and whether additional draws are available under the specific agreement.
Compare cash-out refinancing with a fixed-rate second mortgage. This calculator is an illustrative comparison, not a HELOC model or a loan offer.
Schedule a discussion with the LA office
Reference: CFPB: home equity loans and HELOCs.
ABOUT OUR COMPANY
Discuss your goals with our mortgage team
O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender, helps borrowers discuss home purchase, refinance and home equity financing. Ask your loan officer to explain the available options, required documents and next steps for your situation.
Understand the steps and documents for your loan.
Compare the actual terms and costs of available options.
Ask questions before choosing a financing path.
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WHAT WE OFFER
Mortgage options for different goals
Start with your purpose, property and budget. Eligibility and final terms depend on the program, borrower and property review.
Home purchase loans
Compare financing for a first home, your next home or an eligible investment property.
Conventional and jumbo options
FHA financing
VA options for eligible borrowers
USDA options where borrower and property qualify
Cash-out refinance
Replace an existing mortgage and access equity when the transaction qualifies. Compare the new balance, payment and total borrowing costs.
Review your current mortgage terms
Compare cash needed and closing costs
Ask which equity limits apply to your loan
Rate-and-term refinance
Explore changing your mortgage rate, repayment term or loan type. A lower payment does not necessarily mean a lower total cost.
Compare old and new repayment timelines
Account for refinance closing costs
Ask about applicable program requirements
Home equity loans and HELOCs
Discuss borrowing against home equity while considering your existing mortgage. A lump-sum home equity loan and a revolving HELOC have different terms and repayment structures.
Compare fixed-loan and line-of-credit structures
Review draw periods, payments and fees
Confirm equity and qualification requirements
Investment-property loans
Discuss purchase or refinance financing for rental and investment properties, including DSCR options where appropriate. Property use and program requirements affect eligibility.
Investment Purchase
Investment Rate and Term
Investment cash out
Self-employed borrower options
Ask about conventional or alternative-documentation options for self-employed borrowers. The documents used to evaluate income depend on the selected program.
Discuss bank-statement options when appropriate
Review income, business expenses and debts
Confirm required documentation with your loan officer
Plan your mortgage around your Los Angeles property
Use the actual property and budget
Financing a Los Angeles house, condo or multi-unit property starts with the details of that property and your intended use. Discuss occupancy, property condition, HOA obligations where applicable and the funds you want to keep available after closing.
Use current property information and actual estimates for taxes, insurance and other housing costs. A citywide median price or generic income figure cannot establish what you can afford or qualify for.
Prepare for the conversation
- Purchase: bring your price range, available funds and purchase timeline.
- Refinance: have your current mortgage statement, remaining term and financing goal.
- Home equity: discuss the funds needed, existing liens and repayment budget.
- Self-employed or investment purchase: explain your income documentation and property use.
Use the mortgage document preparation checklist and review the illustrative closing-cost guide. Your loan officer will confirm what applies.
Speak with the LA office
O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender. Office visits are by confirmed appointment only; no walk-ins. View LA office contact details.
Los Angeles mortgage questions
What are the required qualifications for obtaining a mortgage?
Requirements depend on the loan program, borrower and property. Your loan officer may review credit history, income or other permitted documentation, debts, assets, occupancy and property details. No single score or down-payment amount guarantees approval. Contact the LA office to discuss what applies to your situation.
How do I contact you if I have questions?
Contact Los Angeles Mortgage Lender:
Website: losangelesmortgagelender.loans
Email: [email protected]
Phone: (213) 510-1717
Staffed phone hours: Monday–Friday, 9 AM–5 PM Pacific.
Office visits by confirmed appointment only. No walk-ins.
How do I choose the best mortgage type for my situation?
Start with your goal, available funds, comfortable housing payment and how long you expect to keep the property or loan. Compare loan terms, costs and whether payments can change. Contact the LA office or use the service pages on this website to prepare questions for your loan officer.
What is the difference between pre-qualification and pre-approval for a mortgage?
Lenders use these terms differently. Ask what information has been verified, which assumptions and conditions apply, and how long the letter is valid. Neither term alone guarantees a final loan approval. A loan officer can explain the review completed for your particular request.
Mortgage tools and next steps
Choose a useful starting point
- Home purchase financing and buyer guide
- Rate-and-term refinance comparisons
- Cash-out refinance costs and considerations
- Cash-out versus fixed second-mortgage calculator
- Questions to consider before making a property offer
- Mortgage document preparation checklist
- Illustrative closing-cost guide
Compare actual proposals, not promises
Ask your loan officer about the loan amount, term, payment, fees, cash needed at closing and any features that could change your costs. Where Loan Estimates apply, compare offers using consistent assumptions. A lower initial payment is not by itself proof of a better loan.
Reference: CFPB: comparing loan offers.
Office:
453 S. Spring Street, Suite 400,
Los Angeles, California 90013
Call
+1(213) 510-1717
Mortgage information and important limitations
Information on this website is general educational information. It is not a loan approval, commitment to lend, personalized rate quote or guarantee of savings. Available financing and final loan terms depend on the lender, program, applicant and property, and are subject to verification and applicable underwriting requirements.
Loan programs and requirements can change. Down-payment assistance, when available, has separate eligibility and funding conditions and may involve a second loan or repayment obligation. A low- or no-down-payment option does not necessarily eliminate closing costs or other required funds.
Calculator results are estimates based on the information and assumptions shown, not offers of credit. Actual rates, APR, fees, payments and savings may differ. Review each tool's stated inclusions and exclusions and obtain the applicable loan disclosures before making a financing decision. A lower monthly payment does not necessarily mean a lower total borrowing cost.
A mortgage or home-equity loan is secured by your property. Failure to meet its terms can put your home at risk. O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender, is not a government agency and is not endorsed by VA, FHA, USDA or CalHFA.
O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender
Real Estate Broker — California Department of Real Estate
California DRE #02103625 · Corporate NMLS #1906814
Los Angeles Mortgage Lender — DBA NMLS #2530594
Loan officer: Georges Kfoury · California DRE #01386688 · NMLS #365129
Equal Housing Lender.
453 S. Spring Street, Suite 400, Los Angeles, CA 90013
Office visits by confirmed appointment only. No walk-ins.
Phone: (213) 510-1717
Email: [email protected]
Staffed phone hours: Monday–Friday, 9 AM–5 PM Pacific.