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 Encinitas Shouldn't be Hard

See how simple it is to get a mortgage in Encinitas

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

Encinitas Mortgage

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

Nestled along the picturesque coastline of Southern California, Encinitas is a city that embodies the perfect blend of a laid-back beach town lifestyle, top-notch education and healthcare systems, a thriving financial environment, and a robust set of programs that cater to residents of all ages. From its vibrant arts scene to its pristine beaches and lush parks, Encinitas has something for everyone, making it an ideal place to call home.

Lifestyle in Encinitas

The lifestyle in Encinitas is a harmonious fusion of relaxation and activity. Residents here enjoy the quintessential California beach culture, which is all about embracing the sun, surf, and a healthy outdoor lifestyle. Whether it’s catching waves at one of the city’s renowned surf spots or practicing yoga at sunrise on the beach, Encinitas offers an array of outdoor activities that promote a balanced and active lifestyle.

In addition to its outdoor offerings, Encinitas boasts a diverse culinary scene with a focus on farm-to-table dining. The city is also home to a vibrant arts community, with galleries and music venues showcasing the talents of local artists. The relaxed pace of life, along with its thriving cultural scene, contributes to the city’s unique and appealing lifestyle.

Education System

Encinitas is committed to providing quality education to its residents. The city is part of the Encinitas Union School District and the San Dieguito Union High School District, both of which are renowned for their exceptional schools. The education system in Encinitas not only emphasizes academic excellence but also promotes creativity and critical thinking.

The city also offers several private and charter school options, giving parents a variety of choices to meet their children’s educational needs. With dedicated educators, modern facilities, and a strong community focus on education, Encinitas is an excellent place to raise a family.

Health System

Residents of Encinitas have access to world-class healthcare facilities. The city is home to several hospitals and medical centers, including Scripps Memorial Hospital Encinitas, which provides comprehensive medical services. These facilities are staffed by highly trained healthcare professionals, ensuring that residents receive top-notch medical care when they need it most.

Financial System and Programs

Encinitas has a strong and stable financial system that supports the economic well-being of its residents. The city boasts a diverse business community, including small, locally-owned businesses and larger corporations. This mix contributes to a resilient and prosperous local economy.

In addition to a robust financial system, Encinitas offers various financial programs to assist residents in achieving their financial goals. These programs include financial literacy workshops, first-time homebuyer assistance, and small business development resources. The city is committed to helping its residents thrive financially.

Housing Market

The housing market in Encinitas is competitive, reflecting the city’s desirability as a place to live. The real estate market features a range of housing options, from charming beachfront cottages to luxurious ocean-view estates. While the market can be competitive, the city’s diverse neighborhoods offer housing choices for individuals and families of all sizes.

Encinitas also places a strong emphasis on sustainable and environmentally friendly building practices. The city encourages eco-conscious development and promotes energy-efficient and environmentally responsible housing options.

Activities for Senior Citizens

Encinitas is dedicated to providing a rich and fulfilling life for its senior citizens. The city offers an array of activities and programs tailored to the older demographic, including senior fitness classes, art workshops, and social clubs. These activities foster a sense of community and well-being among senior residents, ensuring that they enjoy their golden years to the fullest.

Activities for Youth

Youth in Encinitas have a wealth of opportunities to engage in meaningful activities. The city’s recreational programs include sports leagues, arts and music classes, and outdoor adventures. Encinitas also places a strong emphasis on youth leadership and development, empowering the younger generation to become active and engaged members of the community.

Parks and Recreation

Encinitas boasts an extensive network of parks and recreational facilities, making it easy for residents to enjoy the outdoors. Moonlight State Beach, with its pristine sands and excellent surf, is a local favorite for swimming and sunbathing. The city also features several parks equipped with playgrounds, picnic areas, and sports courts, providing a perfect setting for family outings and community gatherings.

For nature enthusiasts, the San Elijo Lagoon Ecological Reserve offers hiking trails and bird-watching opportunities, while the Self-Realization Fellowship Meditation Gardens provide a tranquil escape from the hustle and bustle of daily life.

Conclusion: Why Encinitas is a Great City to Live In

In conclusion, Encinitas, California, is a city that offers the best of both worlds: a relaxed beach town lifestyle with access to top-notch amenities and services. From its vibrant arts scene and diverse culinary offerings to its exceptional education and healthcare systems, Encinitas has everything you need to lead a fulfilling life.

The city’s commitment to financial programs, sustainable housing options, and a strong sense of community make it an ideal place to call home. Whether you’re a young family looking for a safe and nurturing environment, a senior seeking an active retirement, or anyone in between, Encinitas welcomes you with open arms and the promise of a high quality of life. Come and experience the charm of Encinitas, where the sun, surf, and community spirit combine to create a truly exceptional place to live.