Phone: 888-681-4128

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

Imperial Beach



Why Choose Us?

0 %

Customer Satisfaction Rate

30 Days

Average Loan Approval Period

90 %

Online Loan Application

Getting a Mortgage in Imperial Beach Shouldn't be Hard

See how simple it is to get a mortgage in Imperial Beach

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

Imperial Beach Mortgage

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

Imperial Beach, nestled along the southernmost edge of California, is a picturesque coastal community that offers a unique blend of small-town charm and coastal living. With its stunning beaches, vibrant lifestyle, excellent education system, robust healthcare facilities, thriving financial programs, and an ever-evolving housing market, Imperial Beach is an enticing destination for residents of all ages. In this article, we will delve into the various facets of life in Imperial Beach, making a compelling case for why it’s a great city to live in.


Imperial Beach boasts a relaxed and laid-back lifestyle that is quintessentially Californian. Residents here enjoy a strong sense of community, where neighbors often become friends. The town’s diverse population creates a rich cultural tapestry, and there is an emphasis on embracing the coastal way of life. Surfing, beach volleyball, and picnics are commonplace activities that bring families and friends together.

The town’s charm extends to its vibrant local businesses, boutiques, and restaurants. You can savor delicious seafood at waterfront eateries, shop for unique artisanal products, or simply take a leisurely stroll along the picturesque streets.

Education System

Imperial Beach is home to a commendable education system that prioritizes the development and success of its students. The local schools, both public and private, are known for their dedicated educators and innovative programs. The Imperial Beach Elementary School District and the South Bay Union School District serve the primary education needs of the community.

For higher education, residents have easy access to several prestigious institutions in nearby San Diego, making it convenient for students to pursue their academic goals.

Health System

The healthcare system in Imperial Beach is robust, ensuring residents have access to quality medical services. The presence of multiple healthcare facilities, including hospitals and clinics, caters to various medical needs. Residents can rest assured knowing that their health and well-being are well taken care of.

Financial System and Programs

The financial system in Imperial Beach is stable, with a range of financial programs aimed at supporting residents and businesses. Local banks and credit unions offer a full suite of banking services, including savings accounts, loans, and investment options. Additionally, the city promotes financial literacy and offers resources to help residents make informed financial decisions.

Financial programs such as small business grants, homebuyer assistance, and economic development incentives contribute to the city’s economic vitality, making it an attractive place for entrepreneurs and families alike.

Housing Market

Imperial Beach’s housing market is dynamic and offers a variety of options for residents. Whether you’re looking for a beachfront condo with breathtaking ocean views or a cozy family home in a friendly neighborhood, Imperial Beach has it all. The city’s diverse housing stock accommodates various budgets and preferences, making it possible for people from all walks of life to find their dream home.

The recent years have seen a steady increase in property values, reflecting the city’s growing popularity. This trend is not only a testament to the city’s appeal but also an excellent investment opportunity for homeowners.

Activities for Senior Citizens

Imperial Beach is committed to enhancing the quality of life for its senior residents. The city offers an array of activities and programs designed to keep seniors engaged and active. From senior fitness classes to social clubs and hobby groups, there’s always something happening in the community. The city’s well-maintained parks provide serene spaces for relaxation and leisurely walks, perfect for enjoying the coastal breeze.

Activities for Youth

Imperial Beach recognizes the importance of providing opportunities for its youth to thrive and grow. The city offers a range of youth programs, including sports leagues, arts and cultural activities, and educational opportunities. The beach itself is a magnet for young people, offering endless hours of fun and adventure.

Parks and Recreation

Imperial Beach boasts an extensive park and recreation system that caters to residents of all ages. Veterans Park, with its lush greenery and playgrounds, is a popular spot for family outings. The Tijuana Estuary Visitor Center provides an educational experience and showcases the area’s unique ecosystems.

Water sports enthusiasts can take advantage of the bay and the ocean, which offer opportunities for swimming, kayaking, paddleboarding, and more. The city’s commitment to maintaining these outdoor spaces ensures that residents can enjoy the natural beauty of Imperial Beach year-round.


In conclusion, Imperial Beach, California, is a hidden coastal gem that offers a high quality of life and a strong sense of community. Its stunning beaches, diverse lifestyle, excellent education and healthcare systems, and robust financial programs make it an ideal place to live. The dynamic housing market provides opportunities for residents to find their dream homes, and the city’s commitment to its senior citizens and youth ensures that everyone can thrive.

Whether you’re seeking a tranquil retirement by the sea, a place to raise a family, or a vibrant community to call home, Imperial Beach has something to offer everyone. Its unique blend of natural beauty and welcoming community spirit makes it a great city to live in, where every day feels like a day at the beach.