Broker and correspondent lender · Seven states
More Options. Fewer Roadblocks. One Place to Get Your Mortgage.
Getting a mortgage shouldn't mean fitting into one company's box.
At National One Mortgage, we have more than one way to get you approved, giving us the flexibility to find an option that fits your situation.
As a lender, we fund conventional and VA loans in our own name across most of the states we serve. That keeps the process in our hands from application to closing.
As a broker, we submit to multiple wholesale lenders whose guidelines genuinely differ — which is what a file needs when it does not fit the standard box.
If one option doesn't work, we don't stop there. We look for another solution — without sending you somewhere else or making you start all over.
One team. More options. A better path to getting you home.
Loan Programs
Ten programs, and the honest case for each
Including when one of them is the wrong answer for you.
Conventional
The most flexible program, and the only one that covers second homes and investment property. Mortgage insurance cancels — which is usually the whole argument against FHA.
From 3.5% downFHA
Built for credit and down payments that do not fit conventional standards. Below 10% down, the mortgage insurance generally lasts the life of the loan. Worth knowing before you choose it.
No down paymentVA
No down payment, no monthly mortgage insurance, and an assumable loan. The residual income test approves borrowers whose ratios alone would not.
No down paymentUSDA
No down payment in eligible areas — and "rural" covers far more suburbs than the name suggests. Two tests decide it: the address and the household income.
Above your county limitJumbo
Above your county's conforming limit, where lender guidelines diverge most. Check the county first — you may not need one.
Qualified on rent, not incomeDSCR
Investment property financing that qualifies on the rent rather than your tax returns. It buys you a simpler file, and you pay for that in pricing — if your returns support the purchase, a conventional investor loan is usually cheaper.
Three ways, not oneRefinance
Rate-and-term, cash-out, and the streamline options most FHA and VA borrowers never hear about. A VA IRRRL carries a 0.5% funding fee against 3.3% on a cash-out.
Keep your first mortgageSecond Mortgage
A fixed second lien or a revolving line of credit, leaving a low first-mortgage rate untouched. Texas writes its home equity rules into the state constitution, and they change the answer there.
Qualified on depositsBank Statement
For self-employed borrowers whose tax returns understate what they earn. Qualifies on bank deposits instead of returns — different documentation, not less of it, and it costs more than conventional.
Age 62 and olderReverse
Draws on home equity with no monthly mortgage payment — though you still pay taxes, insurance and upkeep, and must live there, or the loan comes due. FHA-insured HECM and proprietary options above the FHA ceiling.
Estimate
Start with a real number
Principal and interest only. Property taxes, insurance, mortgage insurance and HOA or Mello-Roos assessments are not included — and in much of California those are what decide whether a payment actually works.
Your figure, not ours. We do not publish a rate here — the rate you would actually get depends on the program, your credit, the property and the day.
Where We Lend
Seven states, and what actually differs in each
State pages cover the limits, taxes and local rules that change what you qualify for — not the same page with the name swapped.
Mello-Roos counted in the qualifying payment, and a conforming limit that changes between Los Angeles and Riverside.
HeadquartersArizonaRelocating from California? The loan that was jumbo there is often conforming here.
OfficeTexasTwo veteran loan programs, not one — including a rate discount at a 30% service-connected disability rating.
Loan officersFloridaInsurance is part of your qualifying payment, and many condo projects are not financeable at all.
LicensedOklahomaA large share of the state outside the metros is USDA-eligible — meaning no down payment.
LicensedAlabamaHeavy VA use, and USDA reaches further up the income scale than most buyers assume.
LicensedSouth CarolinaThe coast and the interior are different financing markets. Which one you are in decides the conversation.
LicensedLicensing in process. Talk to us about timing if you are buying here soon.
In processWhat having more options actually changes
Four concrete differences, not slogans.
We fund conventional and VA in our own name. As a correspondent lender we close these loans ourselves rather than handing the file to someone else. For the loans that make up most of what we do, that means fewer parties and fewer places for a file to stall.
When the standard box does not fit, we broker it. Different wholesale lenders, genuinely different guidelines. A file declined by one is routinely approved by another with nothing about the borrower changed.
Overlays are not universal. FHA allows a 580 credit score; many lenders will not go below 640. That is the lender's rule, not FHA's. Knowing which lenders hold which overlays is most of the job.
Hard files have homes. Bank statement programs for self-employed borrowers. Asset depletion for retirees. Debt-service-coverage loans for investors. Portfolio products a single retail lender simply does not carry.
The rest of the transaction
Buying a home is rarely just a loan. Alongside the mortgage company, we operate a real estate brokerage, an escrow company, and a property management company.
What that means practically: when the pieces need to talk to each other, they can. A lender coordinating directly with escrow closes faster than one working through intermediaries.
What it does not mean: any obligation to use them. You choose your agent, your escrow, and your lender independently, and you should know you have that choice. We will tell you when using one of ours helps and when it does not matter.
FAQ
What is the difference between a mortgage broker and a lender? A lender funds loans in its own name under its own guidelines. A broker places your file with wholesale lenders and works with whichever fits. We operate as both, so a file that does not suit one route can take another.
Are you a broker or a lender? Both. We fund conventional and VA loans in our own name as a correspondent lender across most of the states we serve, and we broker to multiple wholesale lenders for everything else. Which route your loan takes depends on which one serves it better.
What states is National One Mortgage licensed in? California, Arizona, Texas, Oklahoma, Alabama, Florida, and South Carolina.
Does using a broker cost more? Not inherently. Broker compensation is disclosed on your Loan Estimate, and wholesale pricing is often better than the retail pricing the same lender offers direct.
Do you do VA loans? Yes. We are a VA lender, several of our officers are veterans, and we cover VA purchase, cash-out, and IRRRL streamline refinances.
Can I use my own real estate agent and escrow company? Yes, always. Our affiliated companies are an option, never a requirement.
This site is educational and is not a commitment to lend, a rate quote, an approval, or a qualification decision. Programs, eligibility, and terms vary by state and are subject to a complete application, verified information, property eligibility, and underwriting review.