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 Merced Shouldn't be Hard

See how simple it is to get a mortgage in Merced

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

Merced Mortgage

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

Nestled in the heart of California’s Central Valley, Merced stands out as a city with a diverse community, rich cultural heritage, and a promising future. Boasting a myriad of opportunities and a host of amenities, Merced offers a high quality of life for its residents. From its robust education and healthcare systems to a flourishing financial landscape, the city has become an attractive destination for families, professionals, and retirees alike. Let’s delve into the various facets that make Merced a great city to live in.

Lifestyle: A Blend of Culture and Community

Merced’s lifestyle is defined by its strong sense of community and its rich cultural tapestry. The city hosts various events and festivals throughout the year, celebrating its diverse population and promoting a spirit of togetherness. From the Merced Multicultural Arts Center to the International Festival, residents have ample opportunities to engage with different cultures and traditions.

The city is also home to several recreational facilities, including community centers, sports complexes, and libraries. Residents can take part in a wide range of activities, from sports leagues to art classes, fostering personal growth and community interaction.

Education System: Nurturing the Leaders of Tomorrow

Merced places a strong emphasis on education, providing its residents with a robust education system. The Merced City School District and Merced Union High School District are dedicated to providing students with quality education and extracurricular activities. Furthermore, Merced College offers a variety of academic and vocational programs, preparing students for future careers and higher education opportunities.

The presence of the University of California, Merced, is a significant boon to the city. As the newest campus in the UC system, it has quickly gained prominence for its research and academic programs, attracting students and faculty from around the world.

Health System: Caring for the Well-Being of the Community

Merced boasts a well-developed healthcare system, ensuring that residents have access to quality medical services. Mercy Medical Center Merced and Dignity Health Medical Group are among the leading healthcare providers in the region, offering a wide range of specialized treatments and services.

The city is also proactive in promoting health and wellness, with numerous fitness centers, parks, and walking trails. Residents can enjoy an active lifestyle and take advantage of resources that encourage physical well-being.

Financial System and Programs: Fostering Economic Growth

Merced’s financial system is supportive of local businesses and entrepreneurs. The city’s Chamber of Commerce actively collaborates with businesses, providing networking opportunities, resources, and advocacy. This collaborative environment has fostered economic growth, attracting new ventures and creating job opportunities for residents.

Additionally, the city offers financial programs to assist individuals and families in various aspects, such as affordable housing initiatives, down payment assistance for first-time homebuyers, and small business grants. These programs aim to enhance financial stability and improve the overall economic landscape of the city.

Housing Market: Affordable and Diverse Options

One of the key highlights of Merced is its affordable housing market. Compared to neighboring cities and regions in California, Merced offers more affordable housing options for both renters and buyers. This affordability has attracted many individuals and families seeking to establish their roots in a comfortable and budget-friendly environment.

From modern housing developments to charming historical homes, Merced’s housing market provides a diverse range of choices to suit various preferences and budgets.

Activities for Senior Citizens: Thriving in the Golden Years

Merced has a strong focus on catering to its senior population. The city offers a variety of programs, social activities, and services to ensure seniors can lead fulfilling lives during their retirement years. Senior centers provide a hub for recreation, education, and support, while various community groups organize events and outings to keep seniors engaged and connected.

Activities for Youth: Nurturing the Next Generation

Merced places great importance on engaging and nurturing its youth. The city’s parks and recreation department offers a wide range of youth programs, including sports leagues, art classes, and summer camps. Additionally, various non-profit organizations and community groups work together to create safe spaces and activities for young people, encouraging their personal growth and development.

Parks and Recreation: Embracing Nature’s Beauty

Nature lovers will find themselves right at home in Merced. The city boasts an array of parks, green spaces, and recreational areas, providing ample opportunities for outdoor activities. From picnicking in Applegate Park to hiking in the nearby Merced National Wildlife Refuge, residents can immerse themselves in the natural beauty of the region.

Conclusion: Embrace the Opportunities in Merced

In conclusion, Merced, California, offers a balanced lifestyle, robust education and health systems, a thriving financial landscape, and ample activities for all age groups. The city’s strong sense of community and diverse cultural offerings create an enriching environment for residents. Whether you’re seeking career growth, educational opportunities, a place to retire, or a nurturing environment for your family, Merced has something to offer everyone. With its warm climate, affordability, and range of amenities, Merced stands as an excellent city that continues to shine as a beacon of opportunity in California’s Central Valley.

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