Option One Mortgage

Option One Mortgage was founded in 1992.  Their goal was to make homeownership more possible and more common for residents of Middle America.  They felt that homeownership was more difficult for his population because they were not being served by traditional banks.  Though the practice is fairly common now, they were one of the first companies to specialize in non-prime lending and servicing.

Option One Mortgage is a member of the H&R Block family of companies.  They are licensed to work through out the nation, and their corporate headquarters is in Irvine, California.

Since Option One Mortgage was founded they have funded over $91 billion in residential mortgages.  They have helped 688,000 people becomes home owners in that time.

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Loans Funded by Option One Mortgage

• Refinance
• Home Purchase
• Fixed Rate Mortgage—This mortgage comes with terms of 30, 20, 15, or 10 Years.  Most of these options are available at 100% Loan to Value.
• Interest Only—This loan is available with a Fixed Interest Rate and at 95% Loan to Value.
• Adjustable Rate Mortgage (ARM)—This loan is available  with the following terms: 1/30, 2/30, 2/15, 3/15, 3/30, 5/30, 7/30, 10/30, and 15/30.  All of these loans come with 95% to 100% LTV financing.
• Interest Only ARM—This loan comes with the following terms: 2/30, 3/30, 5/30, 7/30, 10/30, or 15/30.  All of these loans are available with 95% Loan to Value financing.

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Recent Option One Mortgage News

Option One Mortgage is quite active in their community service involvement.  They work with Habitat for Humanity, Junior Achievement, Volunteer Center, and Jump Start, among other organizations.  One of their most recent donations was for Habitat for Humanity.  They donated $350,000 to Habitat for Humanity’s Women Build effort in Huntington Beach.  The donation and the volunteer support that the Option One Mortgage employees offered helped build a home for the Alvarado family.

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