Rate One Financial, Inc.
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California Mortgage

If you are currently looking for a California mortgage, you have come to the right place. Rate One Financial offers a variety of mortgage options to homeowners in California. We offer home purchase loans, mortgage refinances, debt consolidation, home improvement loans, HELOC (Home Equity Lines of Credit) and can work with your unique financial situation, even if you have less than perfect credit. Our home loan programs provide a variety of options including some that do not require all of your traditional income documentation. Rate One Financial is unlike most traditional California mortgage companies in that our flexible lending allows us to look at your situation and provide you with a loan program that fits your individual financial needs.


Here are some of our most popular programs:

Home Affordable Refinance Program (i.e. HARP) This great program allows eligible homeowners to refinance their underwater mortgages and lower their interest rate & monthly payment.

FHA Streamline Refinance This great program allows eligible homeowners who currently have an FHA loan, refinance into a better FHA loan with NO income or asset documentation needed!

When we prepare your loan application, we will give you a Loan Estimate of your anticipated closing costs. This is a form all lenders are required to give you by the Federal Government. This will be the basis for your guarantee and cost comparisons. You are welcome to shop all lenders for a lower rate and cost combination. If you find one, send us their signed and dated Loan Estimate and upon comparison and verification, we will either match or beat the other lender's bottom-line rate and costs, or we will refund you up to $500.00 of your incurred costs with us.

California Properties Mortgage Refinance

If you dread all the paperwork that you think comes with refinancing your home loan, we've got great news! Our personal service will help guide you through the mortgage refinance process which means you enter a more relaxed zone from application to closing. We can simplify the process for you and make it less stressful to lower your rate and monthly payment. We urge you to invest in a five minute phone call to see what's available to you. There is no obligation or application fee. Whether we can lower your mortgage interest rate, pull cash out, or knock down your monthly payments, we guarantee giving us a call will be worth your time.

Sierra Madre Mortgage Company

Rate One Financial is proud to be your Sierra Madre mortgage company. We pride ourselves on offering top-notch service to our customers and are dedicated to providing each individual that comes to us with the best mortgage opportunity available to them. Whether you need a home purchase mortgage loan, or are looking to refinance your current mortgage, Rate One Financial can help you every step of the way through the home financing process. We make it easy to get started, simply fill out our Quick Quote form above and we will reach you as soon as possible with your best mortgage options.

In Your Community Making Mortgages in Los Angeles

Rate One Financial has been serving the Los Angeles community since 2005. We understand the various needs of this community, and that understanding is what allows us to offer you the best in service and mortgage products. We are here to serve you, online or face-to-face in our offices located in Sierra Madre, just minutes from Downtown Los Angeles

http://nmlsconsumeraccess.org/

NMLS Consumer Access website

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3

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Your lender will contact you shortly so you get more info or lock in your rate

What our clients say about us!

Leave a Review
I cannot say enough good things about Rachel. She's knowledgeable, concise, patient, and works hard for her clients to get the best rates. I have recommended her services to family and friends. She's the best there is!
- Jennifer T.
Monrovia, CA
Rachel is the absolute BEST! I can assure you, you will not find a more caring, hardworking, knowledgeable, trustworthy person to help with your financial needs. Thank you again for your hard work.
- Ray P.
Pasadena, CA
I am self-employed, and write off a lot of my income. I was ready to give up after trying multiple lenders who couldn't seem to get me approved for a loan. When I went to Rate One, they quickly calculated my income from my corporate tax returns, and found a loan that would work for my situation.
- Johnathan R.
I had no equity in my home, and thought it would be impossible to refinance. I checked with Rate One to confirm that there was no way for me to refinance, and instead they found an option that would work for my situation! They told me about the HARP program, and it turns out I could still refinance even though my home’s value had dropped tremendously. A month later, my refinance was completed with a low rate, and great service.
- Sal N.
Working with Rate One Financial was an excellent decision. I was turned down from Greenlight Financial due to my income. My loan officer at Rate One was able to restructure my income using all of my social security benefits and pension to get me qualified for an excellent rate.
- Becky R.
I loved the service at Rate One Financial. My loan officer even gave me her home phone number which made it very easy to stay in touch. The entire process took under 30 days, and I will definitely use their services again in the future.
- Nancy M.
I have 5 rental properties, so it was difficult for other companies to understand all of my rental income. My loan officer was able to qualify me efficiently for a loan that was fitting to my situation.
- Renate T.
Martin Mesa and the team at Rate One Financial did a great job as we refinanced our existing mortgage. Because of their experience and knowledge, we were able to secure an excellent rate and significantly reduce our monthly mortgage payment. I was so impressed with their communication and attention to detail. I would definitely recommend Rate One to anyone seeking a new mortgage or to refinance.
- Jeffrey T.
As a first time home buyer with little to no knowledge of the overall process, Rate One made it simple, accurate, and smooth. Martin and his team were attentive and compassionate to needs of my family. I would absolutely recommend Rate One to anyone venturing into the home buying process. It is a buyers market for sure, however there are still pitfalls anytime you deal with Real estate. Martin and his group are there ensure that those pitfalls do not become insurmountable hurdles.
- Michael F.
I just can't say enough about Martin Mesa and the team at Rate One Financial. They were kind, curteous and always willing to answer all my questions no matter how many times I asked them or how silly the question may have been. I would absolutely recommend Rate Once Financial to all my family and friends as I know they will be in great hands. Thank you Martin and Rate One Financial!!
- Kalene S.
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Find the Right Mortgage Option for You!

Tools to help you get started

Purchase

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

Refinance

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

Apply Now

Our Secure Application takes about 7-10 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.

Mortgage Calculators

Our mortgage calculators help you hone in on the loan options that are best for you. Calculate your mortgage payments, affordability, and more.

Loan Programs

Explore various loan program options to find the right fit for you and your family. We support everything from fixed rate to adjustable rate mortgages.

Step by Step Guide

Learn about the Loan Process end to end. We have made it our mission to help you at every step of the way so you get the best loan option available to you.

What our clients say about us!

Leave a Review
I cannot say enough good things about Rachel. She's knowledgeable, concise, patient, and works hard for her clients to get the best rates. I have recommended her services to family and friends. She's the best there is!
- Jennifer T.
Monrovia, CA
Rachel is the absolute BEST! I can assure you, you will not find a more caring, hardworking, knowledgeable, trustworthy person to help with your financial needs. Thank you again for your hard work.
- Ray P.
Pasadena, CA
I am self-employed, and write off a lot of my income. I was ready to give up after trying multiple lenders who couldn't seem to get me approved for a loan. When I went to Rate One, they quickly calculated my income from my corporate tax returns, and found a loan that would work for my situation.
- Johnathan R.
I had no equity in my home, and thought it would be impossible to refinance. I checked with Rate One to confirm that there was no way for me to refinance, and instead they found an option that would work for my situation! They told me about the HARP program, and it turns out I could still refinance even though my home’s value had dropped tremendously. A month later, my refinance was completed with a low rate, and great service.
- Sal N.
Working with Rate One Financial was an excellent decision. I was turned down from Greenlight Financial due to my income. My loan officer at Rate One was able to restructure my income using all of my social security benefits and pension to get me qualified for an excellent rate.
- Becky R.
I loved the service at Rate One Financial. My loan officer even gave me her home phone number which made it very easy to stay in touch. The entire process took under 30 days, and I will definitely use their services again in the future.
- Nancy M.
I have 5 rental properties, so it was difficult for other companies to understand all of my rental income. My loan officer was able to qualify me efficiently for a loan that was fitting to my situation.
- Renate T.
Martin Mesa and the team at Rate One Financial did a great job as we refinanced our existing mortgage. Because of their experience and knowledge, we were able to secure an excellent rate and significantly reduce our monthly mortgage payment. I was so impressed with their communication and attention to detail. I would definitely recommend Rate One to anyone seeking a new mortgage or to refinance.
- Jeffrey T.
As a first time home buyer with little to no knowledge of the overall process, Rate One made it simple, accurate, and smooth. Martin and his team were attentive and compassionate to needs of my family. I would absolutely recommend Rate One to anyone venturing into the home buying process. It is a buyers market for sure, however there are still pitfalls anytime you deal with Real estate. Martin and his group are there ensure that those pitfalls do not become insurmountable hurdles.
- Michael F.
I just can't say enough about Martin Mesa and the team at Rate One Financial. They were kind, curteous and always willing to answer all my questions no matter how many times I asked them or how silly the question may have been. I would absolutely recommend Rate Once Financial to all my family and friends as I know they will be in great hands. Thank you Martin and Rate One Financial!!
- Kalene S.
See More

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Call (818) 284-6480