Phone: 888-681-4128

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

El Cajon



Why Choose Us?

0 %

Customer Satisfaction Rate

30 Days

Average Loan Approval Period

90 %

Online Loan Application

Getting a Mortgage in El Cajon Shouldn't be Hard

See how simple it is to get a mortgage in El Cajon

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

El Cajon Mortgage

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

Nestled in the heart of San Diego County, El Cajon, California, stands as a beacon of diverse culture, rich history, and a thriving community. With its picturesque landscapes, robust education system, accessible healthcare, flourishing financial programs, and a plethora of recreational activities for all ages, El Cajon exemplifies the essence of an ideal city to call home. In this article, we’ll delve into the various facets that make El Cajon a remarkable city, from its lifestyle and education system to its healthcare, housing market, and community engagement.

Lifestyle and Community

El Cajon boasts a vibrant lifestyle that caters to a variety of interests. The city’s multicultural population contributes to a rich tapestry of traditions, events, and festivals, celebrating diversity and fostering a sense of unity. Residents of El Cajon enjoy a moderate Mediterranean climate, making outdoor activities and community gatherings a year-round delight. From farmer’s markets to art exhibitions, the city provides ample opportunities for residents to engage in social interactions and create lasting connections.

Education System

A cornerstone of any thriving community is its education system, and El Cajon takes great pride in its commitment to academic excellence. The Cajon Valley Union School District, along with several private institutions, provides a comprehensive and innovative learning environment for students of all ages. The district’s emphasis on technology integration and project-based learning equips students with the skills necessary for success in the modern world.

For higher education, El Cajon is conveniently located near esteemed institutions like San Diego State University and the University of California, San Diego, offering a seamless transition for students pursuing advanced degrees.

Health System

Access to quality healthcare is a fundamental necessity, and El Cajon’s healthcare system stands as a testament to its commitment to the well-being of its residents. The city is home to several medical facilities and clinics that offer a wide range of medical services, ensuring that individuals and families have access to the care they need. Additionally, El Cajon’s focus on promoting a healthy lifestyle through recreational activities and wellness programs contributes to a higher overall quality of life.

Financial System and Programs

El Cajon’s financial system is characterized by its stability and support for local businesses. The city’s proactive approach to economic development has led to the establishment of various financial programs aimed at fostering entrepreneurship and job creation. Small business grants, incubator spaces, and networking events provide a nurturing environment for startups to thrive. This dedication to economic growth enhances the city’s financial resilience and contributes to a robust local economy.

Housing Market

The housing market in El Cajon offers a diverse range of options to suit various preferences and budgets. From charming historic neighborhoods to modern developments, the city caters to both homeowners and renters. The real estate market is known for its stability and steady appreciation, making it an attractive destination for individuals and families seeking a long-term investment. The city’s commitment to affordable housing initiatives ensures that residents from all walks of life can find a comfortable and secure place to call home.

Activities for Senior Citizens

El Cajon recognizes and values its senior citizens, offering a plethora of activities and resources to promote an active and fulfilling lifestyle. Community centers host classes, workshops, and social events tailored to the interests of older adults. From fitness programs to arts and crafts, seniors have ample opportunities to engage, learn, and connect with their peers. The city’s commitment to supporting its elderly population fosters a strong sense of belonging and purpose among its senior residents.

Activities for Youth

El Cajon’s commitment to its youth is evident through its array of educational and recreational activities. Youth centers, sports leagues, and cultural programs provide a safe and enriching environment for children and teenagers to develop essential life skills, explore their interests, and form meaningful friendships. The city’s investment in its younger generation ensures a bright and promising future for both individuals and the community as a whole.

Parks and Recreation

El Cajon’s abundant green spaces and recreational facilities contribute to a high quality of life for its residents. The city’s parks offer a range of amenities, including playgrounds, sports fields, hiking trails, and picnic areas. Families can enjoy weekends outdoors, engaging in physical activities and creating cherished memories. These parks also serve as focal points for community gatherings, reinforcing the strong bonds among residents and creating a sense of unity.


In conclusion, El Cajon, California, is much more than just a city; it is a testament to the power of a thriving community. Its commitment to education, healthcare, economic development, and community engagement has resulted in a place that offers a fulfilling and vibrant lifestyle for individuals of all ages. From its strong education system and accessible healthcare to its diverse housing options and extensive recreational activities, El Cajon stands as a shining example of a city that prioritizes the well-being and happiness of its residents. Whether you’re seeking a place to raise a family, start a business, or enjoy your retirement years, El Cajon welcomes you with open arms and a promise of a truly exceptional quality of life.

Contact Us

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

Company NMLS: 1906814