Phone: 888-681-4128

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

Rancho Santa Margarita



Why Choose Us?

0 %

Customer Satisfaction Rate

30 Days

Average Loan Approval Period

90 %

Online Loan Application

Getting a Mortgage in Rancho Santa Margarita Shouldn't be Hard

See how simple it is to get a mortgage in Rancho Santa Margarita

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

Rancho Santa Margarita Mortgage

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

Nestled in the picturesque landscapes of Orange County, California, Rancho Santa Margarita stands as a shining example of suburban excellence. With its idyllic lifestyle, top-notch education system, robust healthcare facilities, and a thriving financial scene, this city has established itself as a prime destination for families and individuals seeking an exceptional quality of life. In this comprehensive guide, we’ll delve into the various aspects that make Rancho Santa Margarita a great place to call home.

Lifestyle: Rancho Santa Margarita boasts a tranquil and family-friendly atmosphere that attracts residents seeking a slower pace of life. The city’s well-planned communities offer a sense of security and comfort, with tree-lined streets, well-maintained parks, and a friendly neighborhood vibe. Residents here cherish the balance between work and leisure, with easy access to outdoor activities, shopping, and dining.

Education System: For families with school-age children, Rancho Santa Margarita provides access to excellent educational options. The Saddleback Valley Unified School District oversees the public schools in the city, consistently earning high marks for academic performance and extracurricular activities. Additionally, private and charter schools like Santa Margarita Catholic High School offer diverse educational opportunities.

Health System: The city is well-equipped with a robust healthcare system, ensuring that residents have access to quality medical services. The nearby Mission Hospital, part of the Providence St. Joseph Health network, provides comprehensive medical care, including emergency services, specialized treatments, and wellness programs.

Financial System: Rancho Santa Margarita enjoys a stable and growing economy, thanks in part to a business-friendly environment. The city is home to various small and medium-sized enterprises, providing ample employment opportunities. Additionally, its proximity to major employment hubs in Orange County ensures that residents have access to a wide range of career prospects.

Financial Programs: The city offers several financial programs and incentives to support residents and businesses. These include grants and tax incentives for small businesses, homebuyer assistance programs, and initiatives to promote sustainable practices, such as energy-efficient upgrades.

Housing Market: The housing market in Rancho Santa Margarita is diverse, offering a range of options from single-family homes to condominiums and apartments. The city’s real estate market is known for its stability, and property values have steadily appreciated over the years. This makes it an attractive destination for both first-time homebuyers and those looking to upgrade.

Activities for Senior Citizens: Rancho Santa Margarita is committed to ensuring that its senior citizens enjoy a vibrant and fulfilling lifestyle. The city’s Senior Center offers an array of programs and activities tailored to older adults, including fitness classes, social gatherings, and educational workshops. Residents can also access healthcare services and support to help maintain their well-being.

Activities for Youth: The youth of Rancho Santa Margarita are well-catered to with a range of recreational opportunities. The city’s Parks and Recreation department organizes youth sports leagues, art and music classes, and outdoor adventures like hiking and camping. The local YMCA also provides programs for children of all ages, promoting physical activity and community engagement.

Parks and Recreation: The city takes pride in its lush green spaces and recreational amenities. Rancho Santa Margarita is home to a network of well-maintained parks, offering everything from playgrounds and sports fields to hiking trails and picnic areas. The popular Central Park features a picturesque lake and hosts community events throughout the year.

Conclusion: In conclusion, Rancho Santa Margarita, California, is a gem within the Southern California landscape, offering a balanced and high-quality lifestyle for its residents. With exceptional schools, top-notch healthcare facilities, a thriving economy, and diverse housing options, the city caters to the needs and aspirations of individuals and families alike. Whether you’re a senior seeking an active retirement, a young family looking for an ideal place to raise children, or a professional in search of career opportunities, Rancho Santa Margarita has something special to offer. Its commitment to providing a fulfilling life for all ages, combined with its natural beauty and sense of community, make it a great city to live in and a testament to the allure of Orange County living.