Featured Rates
| Conventional (30 yr) | * |
| Conventional (20 yr) | * |
| Conventional (15 yr) | * |
HOME LOANS
HOME IS MORE THAN A PLACE,
it’s a foundation for family and long-term financial security. At AltaOne, we’re committed to helping you achieve your dream of homeownership with a range of loans.
First Time Homebuyer Program*
100% Financing, Zero Down
No Private Mortgage Insurance (PMI)
Restrictions apply. Call us for details - 760-371-7045
JUMBO LOANS WITHOUT
JUMBO INTEREST RATES!
Loan amounts from $806,500 to $2,000,000.
15, 20 and 30 year terms.
Down payments with flexible options.
First-Time Homebuyer?
Learn how AltaOne can help you buy your dream home:
Apply For a Home Loan, 24/7, by Calling (833) 4-ALTAONE
Call (833) 4-AltaOne (833-425-8266) anytime, day or night, to apply for any AltaOne Home Loan with a real, live person.
Purchase a Home
Variety of term options up to 30 years, with competitive fixed rates.
Zero or low-down payment options with no Private Mortgage Insurance (PMI).
Refinance a Home
Lower your monthly payments.
Reduce the term to pay the loan off sooner.
For debt consolidation, to pay for college, or maybe even a dream vacation!
VA Home Loans
As a VA lender, AltaOne understands the unique needs of service members and their families and can help you take advantage of every benefit you’ve earned. We’re here to help you through the home-buying experience by providing low VA home loan rates, resources, and membership benefits.
VA loans are backed by the Department of Veterans Affairs and offer exclusive mortgage benefits to eligible servicemembers, veterans, and their spouses. A certificate of eligibility is required and can be obtained from the VA by your home loan advisor. Maximum loan amounts are determined by the property location.
FHA Home Loans
An FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA), allows a lower down payment, and has greater flexibility in credit requirements than many conventional home loans, making homeownership a possibility for more Members.
Down payment as low as 3.5%.
15-and 30-year fixed terms so you have a predictable payment for the life of the loan.
Mortgage insurance can be financed as part of the loan, so you need less cash up front.
You can use gifted funds from a family member, employer, labor union, charitable organization, close friend, or certain government homeowner assistance programs for your down payment.
Allows for a co-borrower, even if they won’t live in the home.
ITIN Home Loans
Homeownership dreams can come true! Our ITIN Lending program allows borrowers with Individual Taxpayer Identification Numbers (ITIN) to apply for mortgages in the United States with as low as 10% down.
Program Requirements:
2 years of Tax Returns & W2s
Copy of most recent pay stub (last 30 days)
2 months most recent bank statements
ITIN Card or ITIN Letter (pg. 1 or 2)
Valid photo identification
12-month verified rental history.
Why choose AltaOne for your home loan?
Competitive Interest Rates: We offer competitive interest rates, leading to potential savings over the life of your loan.
Personalized Service: We work closely with you to tailor the best loan options for your financial situation.
Flexible Loan Options: We have many home loans to choose from, including fixed-rate, adjustable-rate, and special programs.
Member Benefits: You benefit from lower fees and exclusive financial products, as profits are reinvested into member services.
Local Expertise & Support: Our team offers valuable insights and support based on their in-depth knowledge of the local real estate market.
Not ready to apply or have questions? Send us a message below:
We are a phone call or email away! Call our Home Loan professionals directly at (833) 4-ALTAONE (833-425-8266) or submit the form below to send a message. Please be advised, this is an unsecure message. Do not send account numbers, social security numbers, or any other private personal identifying information in this message. We strive to reply within 24 business hours, weekends and holidays excluded.
AltaOne is an Affiliate Member of the Bakersfield Association of Realtors, Ridgecrest Area Association of Realtors and the Tehachapi Area Association of Realtors.
Voted a Favorite or Best Mortgage Company year over year in Bakersfield and Tehachapi
2022 Ridgecrest Area Association of Realtors Affiliate of the Year
*First-Time Homebuyer:
Borrower(s) have not owned a property in the past 3 years. All loans are subject to credit approval and eligibility. Rates, terms, and programs may change without notice. Not all applicants qualify. Documentation required. Loans are secured by property lien. Interest rates, fees and APRs may vary by product, credit, LTV, occupancy, property type, loan amount, and purpose. Not available in New York and Hawaii.
