Your Trusted Home Loan Partner

Buy your home with an FHA loan, requiring just 3.5% down. Flexible qualifying criteria and government backing make it accessible for many. Start your journey today.

Purchase a home with as little as 3% down. Suitable for borrowers with 620+ credit score. Benefit from lower mortgage insurance and assistance programs.

Veterans and active service members can buy with 0% down. Honoring our heroes with accessible homeownership options.

Buy in rural America with USDA loans, offering 0% down for low to moderate-income families. Promoting rural homeownership.

Explore down payment assistance programs to make homeownership easier. Grants and deferred loans are available, even with credit scores as low as 580. Suitable for houses, condos, manufactured homes, and townhomes.

Secure financing for mobile homes with our specialized chattel loans. Quick approval, lower costs, suitable for homes in leased communities.

 Option 1 Home Loans specializes in providing tailored commercial loan solutions, including SBA Programs with down payment as low as 10% and Traditional Commercial Loans typically starting with a 20% down payment. We finance various commercial property types such as office buildings, retail spaces, industrial warehouses, multi-family dwellings, and mixed-use properties ad more!

 Unlock the path to homeownership today with our specialized ITIN mortgage program, designed to make your goals a reality. We are committed to finding solutions that traditional lenders might miss, offering support for U.S. citizens, permanent and non-permanent residents, DACA recipients, and ITIN borrowers. Our flexible guidelines allow for loan amounts up to $1.5 million, from 5% to 20% down payment, making it easier than ever to qualify—even with just one year of self-employment or alternative credit history. Don’t let conventional hurdles stop you; contact us today to learn how our tailored mortgage solutions can work for you