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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


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Get to know us

Located in Beautiful Southern California, we thrive on the success and satisfaction of our clients.


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Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

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What Client's Say About Us

Proud Partners

Rate One Financial, Inc. is proud to work with a myriad of partners that provide expertise to their customers and their specific needs.