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 Needles Shouldn't be Hard

See how simple it is to get a mortgage in Needles

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

Needles Mortgage

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

Nestled along the majestic Colorado River in the heart of the Mojave Desert, Needles, California, is a city that offers a unique blend of tranquility and vibrancy. This hidden gem has much more to offer than meets the eye. From a thriving lifestyle to a robust education system, a well-structured health system, and a burgeoning housing market, Needles has become an increasingly attractive place to call home. In this article, we will delve into the key aspects of Needles, showcasing why it’s a great city to live in.

Lifestyle in Needles

Needles is known for its laid-back lifestyle, and residents here enjoy a close-knit community atmosphere. The city’s low crime rate makes it a safe and welcoming place for families and individuals alike. With a warm, arid climate, Needles boasts more than 300 days of sunshine each year, making it a haven for outdoor enthusiasts.

Education System

Needles places a strong emphasis on education. The Needles Unified School District is the primary provider of education in the city. Comprising Needles High School, Needles Middle School, and several elementary schools, the district is dedicated to offering quality education to its students. Beyond the standard curriculum, there is also a focus on vocational and technical education to prepare students for various career paths.

Health System

Needles boasts a comprehensive healthcare system. The Colorado River Medical Center is the city’s primary healthcare provider, offering a range of medical services, including emergency care, general medicine, and specialized treatments. The presence of well-trained medical professionals ensures that residents have access to quality healthcare without having to travel long distances.

Financial System

The financial landscape in Needles is stable and supportive. Local banks and credit unions provide essential financial services, while local businesses contribute to the economic growth of the community. Additionally, the cost of living in Needles is relatively low compared to many other California cities, making it an attractive option for those looking to live comfortably without the high expenses often associated with urban living.

Financial Programs

The city of Needles offers several financial programs to support its residents. These include assistance with utility bills, housing, and small business development. These programs aim to improve the overall financial well-being of the community and help residents achieve their financial goals.

Housing Market

Needles has seen a surge in its housing market in recent years. The city offers a range of housing options, from cozy apartments to spacious family homes. The low cost of living, coupled with the peaceful atmosphere, has attracted retirees, families, and individuals looking to escape the hustle and bustle of big cities. The city’s real estate market is poised for growth, making it an excellent investment opportunity.

Activities for Senior Citizens

Needles is dedicated to ensuring that its senior citizens have an active and fulfilling lifestyle. The Needles Senior Center is a hub of activities for older adults, offering social events, fitness programs, and educational opportunities. The center also provides valuable resources and services, such as meal programs and transportation assistance, to help seniors maintain their independence and quality of life.

Activities for Youth

Youth in Needles are not left behind when it comes to recreational activities. The city has numerous parks and recreational facilities that offer a wide range of sports and leisure opportunities. The Needles Recreation and Parks Department organizes youth sports leagues, summer camps, and after-school programs to keep young residents engaged and active. The Colorado River, with its calm waters, is also a popular spot for water-based activities like swimming, fishing, and boating.

Parks and Recreation

Needles takes full advantage of its stunning natural surroundings. The city boasts several parks, including Jack Smith Memorial Park, which is situated along the Colorado River and offers picnic areas, a boat launch, and playgrounds. Needles also has a golf course, hiking trails, and camping facilities in nearby wilderness areas. The outdoor options are virtually limitless, providing ample opportunities for residents to connect with nature.


Needles, California, is an oasis in the desert, offering a serene and vibrant lifestyle. Its robust education system, well-structured healthcare, and supportive financial programs make it an attractive place to live. The growing housing market provides opportunities for individuals and families to establish roots in this welcoming community.

Activities for all age groups, from senior citizens to youth, ensure that there’s always something exciting happening in Needles. The city’s dedication to its residents’ well-being is evident in its strong sense of community and the multitude of services and programs it offers.

In conclusion, Needles, California, is not just a city; it’s a destination for those seeking a high quality of life in a picturesque desert setting. Its unique combination of natural beauty, a thriving community, and abundant recreational opportunities make it a great place to call home. So, whether you’re looking for a peaceful retirement spot, a family-friendly environment, or simply a change of scenery, Needles offers it all, making it an ideal city to live in.

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Contact Information

(866) 688-9020

Opening Hours

Monday – Friday 9am-5pm 
Weekend – Closed


1906 W Garvey Ave Suite 200 West Covina CA 91790