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 Modesto Shouldn't be Hard

See how simple it is to get a mortgage in Modesto

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

Modesto Mortgage

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

Nestled in the heart of California’s fertile Central Valley, Modesto is a city that encapsulates the perfect blend of urban convenience and a laid-back lifestyle. With a population of around 215,000 residents, Modesto boasts a unique character shaped by its diverse amenities, robust educational institutions, well-structured health and financial systems, thriving housing market, and an array of activities catering to all age groups.

Lifestyle and Community:

Modesto’s lifestyle embodies the Californian spirit – a harmonious blend of work and leisure. The city’s warm climate and vibrant downtown scene contribute to a laid-back yet industrious vibe. This blend of energy is reflected in the local culinary scene, with numerous farm-to-table restaurants and farmers’ markets offering fresh produce.

Education System:

The city’s commitment to education is evident in its well-established school system. Modesto is home to various public and private schools that provide quality education from kindergarten through high school. Additionally, Modesto Junior College and other higher education institutions offer diverse academic programs, ensuring that the city’s residents have access to a wide range of learning opportunities.

Health System:

Modesto’s healthcare infrastructure is robust, providing its residents with comprehensive medical services. Leading medical facilities and hospitals equipped with advanced technology ensure that the community’s health needs are met efficiently.

Financial System and Programs:

The city’s financial system is designed to foster growth and stability. Modesto offers a range of financial programs to support local businesses and entrepreneurs. These programs include low-interest loans, grants, and resources to encourage economic development and job creation.

Housing Market:

Modesto’s housing market presents an appealing mix of options, from historic homes with charming architecture to modern developments with state-of-the-art amenities. Unlike many other parts of California, Modesto’s housing market remains relatively affordable, making it an attractive destination for families and individuals looking to settle down without the exorbitant costs often associated with other Californian cities.

Activities for Senior Citizens:

Modesto is committed to providing a vibrant lifestyle for its senior citizens. The city offers various senior centers and community programs that cater to the needs and interests of older adults. These centers not only provide social engagement but also offer classes, fitness programs, and recreational activities, fostering a sense of belonging and well-being among the senior population.

Activities for Youth:

The youth of Modesto are equally well-catered to, with an abundance of activities to keep them engaged and motivated. From after-school programs to sports leagues and arts and cultural initiatives, the city’s commitment to its young residents’ growth and development is evident.

Parks and Recreation:

Modesto boasts an extensive parks and recreation system that encourages an active lifestyle. Lush green spaces, well-maintained trails, and sports facilities make it easy for residents to enjoy outdoor activities year-round. Graceada Park and Dry Creek Regional Park are just a couple of examples of the city’s commitment to providing quality leisure spaces.

Why Modesto is a Great City to Live In:

In conclusion, Modesto’s appeal as a city to live in is multifaceted. Its blend of a relaxed lifestyle and urban conveniences creates a unique ambiance that allows residents to thrive. The education system ensures that the younger generation has access to quality learning, while the health system takes care of the community’s well-being comprehensively. The financial programs and supportive infrastructure foster economic growth, while the housing market provides options for various lifestyles without breaking the bank.

For every stage of life, Modesto offers something special. From activities tailored to senior citizens that promote a sense of belonging, to programs designed to engage and nurture the youth, the city’s dedication to its residents’ welfare is evident. The parks and recreation system further enhances the quality of life by providing beautiful spaces for outdoor activities and community gatherings.

In Modesto, the sense of community is not just a catchphrase; it’s a way of life. The city’s vibrant culture, diverse amenities, and commitment to the well-being of its residents create a tapestry that is as welcoming as it is invigorating. Modesto’s unique blend of modernity and community spirit makes it not just a city, but a place to call home.

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