Phone: 888-681-4128

1906 W. Garvey Ave S. Suite 200 West Covina, CA 91790




Why Choose Us?

0 %

Customer Satisfaction Rate

30 Days

Average Loan Approval Period

90 %

Online Loan Application

Getting a Mortgage in Carmichael Shouldn't be Hard

See how simple it is to get a mortgage in Carmichael

Follow our step-by-step guide to learn how to buy a home in Carmichael
Learn how refinancing in Carmichael can help you save money in the long run

Carmichael Mortgage

Welcome to the official site of O1NE MORTGAGE, INC., a full-service mortgage company in Carmichael, California.

We’ve simplified the process and created friendly tools within this site to give you a hassle-free experience with your mortgage loan process. We can help you realize your dream of homeownership or help you to save by lowering your current monthly payments.

In terms of Purchase we offer the following Qualified Mortgage type of loans:

Conventional | FHA | VA | USDA | Jumbo

In terms of Refinance, we offer a wide range of products designed to best fit your needs. If you’re looking for a cash-out, or to just get a better rate and term, we can assist you. We offer the following refinancing programs:

Conventional | FHA Streamline | FHA Cash Out | VA Streamline | VA Cash-Out | USDA Streamline | Jumbo | HELOC

What makes us unique is that we offer the following niche, Non-Qualified mortgage products:

Bank Statements | Hard Money| Foreign National

Contact us today to prequalify for your dream home or to start saving on your current mortgage.

The City of Carmichael

Nestled within the heart of Sacramento County, Carmichael, California, is a hidden gem that seamlessly blends the allure of a small-town atmosphere with the amenities of urban living. With its picturesque landscapes, top-notch education, robust health services, thriving financial ecosystem, and diverse recreational opportunities, Carmichael stands as a testament to a well-rounded and vibrant community. In this article, we delve into the various facets that make Carmichael an exceptional city to call home.

Lifestyle and Community

Carmichael is characterized by its friendly and close-knit community. Residents enjoy a laid-back lifestyle that values both personal well-being and community engagement. The city’s tree-lined streets, well-maintained parks, and local markets foster a strong sense of belonging among its residents. The tight-knit community is known for its welcoming attitude, making newcomers feel at home from the moment they arrive.

Education System

Education is a cornerstone of Carmichael’s identity. The city boasts an excellent range of educational institutions, from top-tier public schools to renowned private academies. The San Juan Unified School District oversees the public schools, ensuring a high standard of education. Moreover, Carmichael is home to several prestigious private schools that offer specialized curricula, catering to a diverse range of student needs and interests.

Health System

Carmichael prioritizes the health and well-being of its residents. The city is home to numerous medical facilities, including hospitals, clinics, and specialty centers, providing comprehensive healthcare services. The presence of renowned healthcare institutions ensures that residents have access to world-class medical care without having to travel far.

Financial System and Programs

The city’s robust financial system is designed to empower both individuals and businesses. Carmichael is home to a diverse array of financial institutions, from national banks to local credit unions, catering to the diverse financial needs of its residents. The local government also offers a range of financial programs aimed at fostering economic growth and supporting entrepreneurship, making Carmichael an attractive destination for businesses of all sizes.

Housing Market

Carmichael’s housing market offers a wide spectrum of options to suit various lifestyles and preferences. Whether you’re seeking a cozy suburban home, a modern apartment, or an expansive estate, Carmichael has it all. The city’s real estate market is known for its stability, making it an attractive destination for both first-time homebuyers and seasoned investors.

Activities for Senior Citizens

Carmichael is dedicated to ensuring a fulfilling life for its senior citizens. The city offers a plethora of activities tailored to their interests and needs. From senior centers that host social events, fitness classes, and workshops to community volunteer programs, Carmichael ensures that its senior residents remain active, engaged, and valued members of the community.

Activities for Youth

Carmichael’s commitment to its younger residents is evident through its array of youth-oriented activities. The city’s parks and recreation department provides a wide range of sports leagues, art classes, and educational programs designed to foster the physical, intellectual, and social development of its youth. The vibrant local community ensures that young people have ample opportunities to explore their passions and interests.

Parks and Recreation

Carmichael’s abundant green spaces and recreational facilities make it a haven for outdoor enthusiasts. The city boasts a network of well-maintained parks, offering opportunities for picnics, sports, nature walks, and relaxation. American River Parkway, a stunning riverside trail, provides a serene escape for joggers, cyclists, and families seeking to connect with nature.

Conclusion: The Allure of Carmichael

Carmichael, California, is more than just a city; it’s a way of life. Its idyllic blend of community spirit, educational excellence, accessible healthcare, thriving economy, and diverse recreational options make it a truly exceptional place to live. Whether you’re raising a family, advancing your career, or enjoying your golden years, Carmichael offers the ideal setting for a fulfilling life. With its unwavering commitment to holistic well-being and quality of life, Carmichael stands as a testament to the power of a community that values every stage of life.

Contact Us

1906 W. Garvey Ave S. Suite 200 West Covina, CA 91790
Phone: 888-681-4128

Company NMLS: 1906814

Fill in the form below and one of our representatives will contact you.

Contact Information

(866) 688-9020

Opening Hours

Monday – Friday 9am-5pm 
Weekend – Closed


1906 W Garvey Ave Suite 200 West Covina CA 91790