From Application to Keys with No Down Payment.
- ✅ No down payment required — we help cover it.
- ✅ Programs for Home Buyers or first-time buyers.
- ✅ USDA loan Program for Rural Areas
- ✅ VA loan Available for Veterans
- ✅ Low rates and flexible approvals.
- ✅ Funds available for closing costs.
- ✅ Apply online in minutes or schedule a call today.
Get your Loan Pre-approved
No Down Payment. No Problem. 100% Home Financing Made Easy.
GUIDE TO BUY A HOME
Home Buyer Mortgage Guide for Los Angeles, CA
Your Step-by-Step Guide to Buying a Home in Los Angeles
Step 1: Assess Your Finances
Evaluate your budget, credit score, and savings. Aim for a credit score above 620 for better mortgage rates in Los Angeles.
Step 2: Get Pre-Approved for a Mortgage
Contact lenders to get pre-approved. This helps you know your budget for homes in Los Angeles, where median prices are around $800,000.
Step 3: Calculate Your Mortgage and Income Requirements
Estimate monthly payments and required income based on home price, down payment, and debts.
Your Required Annual Income: $0
Monthly Mortgage Payment: $0
Property Taxes: $0
Homeowners Insurance: $0
Total Mortgage Payment: $0
Monthly Payment Liabilities
Step 4: Find a Real Estate Agent
Hire a local agent familiar with Los Angeles’s neighborhoods.
Step 5: Search for Homes
Explore homes in Los Angeles using online platforms. Filter by price, size, and features.
Step 6: Make an Offer
Work with your agent to submit a competitive offer based on Los Angeles’s market trends.
Step 7: Home Inspection and Appraisal
Schedule a home inspection and appraisal to ensure the property’s value and condition.
Step 8: Finalize Your Mortgage
Complete your loan application and submit documents to your lender.
Step 9: Close on Your Home
Sign final paperwork and pay closing costs (typically 2-5% of the home price in Los Angeles).
Step 10: Move In!
Congratulations! Plan your move to your new Los Angeles home.
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.
Facebook
Instagram
Youtube