HOME LOANS SIMPLIFIED

Discover The Rate You Could Have

Save With Our Very Low Cost Loan

It's ok if you are not sure yet, just Give us your best Guess

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Home Loan Simplified

Credit, Documentation, Approval Loan closing all within your control

Discover The Rate You Could Have

Save With Our Very Low Cost Loan

It's ok if you are not sure yet, just Give us your best Guess

CASH OUT

Your taxes and insurance are included in the payment or they are paid separately?

I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from O1ne Mortgage Inc. Message frequency varies. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

ABOUT OUR COMPANY

Why Should You Choose Us?

You will have access to the entire mortgage procedure at your fingertips. Our loan processing is handled by our AI flow system, which enables us to pass on the cost of human processing to our customers. Our service is entirely online, through a highly secure and encrypted application, which will minimize the loss or confusion of submitting or processing documents.

lightning speed loan with our AI loan processing flow.

Highly competitive rate, we beat pretty much any rate in the market

the lowest cost you possibly can find.

20

YEARS OF EXPERIENCE

100%

Customer Satisfaction Rate

100%

Online A to Z Loan Process

WHAT WE OFFER

Our Core Service

Variety of Loan Product Which Helps Tailor the loan to fit your needs

Purchase Home Loan

Buying a home can be accomplished with any of the following loan programs that fit your qualifications

Conventional with as low as 3% down payment

FHA with as low as 3.5% Down Payment

VA with 0% Down payment

USDA with 0% Down payment

Refinance Cash out

Cash our Refinance, can be very helpful to consolidate date, Combine multiple Mortgages or for Home Improvement

Conventional - cash out up to 80% of the property value

FHA - cash out with 85% of the property value

VA - cash out can be up to 100% of the property value

Refinance Rate and Term

Refinance Rate and Term is made to help you lower your interest rate if the market offer a lower rate, or change the term on your mortgage between 30 year, or 20 year or 15year etc...

Conventional - up to 95% of the Home Value

FHA will be done Streamline which cover 100% of the loan.

VA IRRRL will cover 100% of the loan

Home Equity Mortgage

Home Equity Mortgage is a great tool to receive tax free cash out without touching the first mortgage. currently this type of loan can go up to 80% of the property value.

Second Mortgages can go up to 89.99% of the property value

Second mortgage are fully amortized 30yr, 20yr, or 10yr.

minimum credit score to obtain Home equity mortgage is 680.

Home Loans For Investors

The Investor Program is Designed for the experienced real estate investor who is purchasing or refinancing investment properties which he or she plans to hold for business purposes.

Investment Purchase

Investment Rate and Term

Investment cash out

Bank Statement

Special loan for Self employed Borrowers who has the cash flow but require creativities in qualification for the high debt and expense that is recorded.

tax return will not be required

Debt to income is up to 50%

Bank statements used to prove income

Discover Torrance: Your Path to Homeownership

Torrance Mortgage Loans - Homepage Section

About Torrance, California

Torrance, CA, is a coastal city in Los Angeles County with a population of approximately 134,412 as of 2025. The median age is 43.1 years, reflecting a diverse community of professionals and families. About 54.6% of residents are homeowners, with 55,317 households, of which 65% are family households. The median household income is $113,105, supporting a community known for its cultural diversity and coastal lifestyle.

With a population comprising 38.2% Asian, 32.2% White, and 19.3% Hispanic, Torrance offers a vibrant and welcoming environment.

Home Prices and Income Requirements

The median home price in Torrance is approximately $1,073,125, with prices ranging from $800,000 to $1,400,000 depending on the neighborhood and property type. To qualify for a typical mortgage (assuming a 7% interest rate and 20% down payment), a household income of around $180,000-$230,000 annually is generally needed for a median-priced home.

Ready to explore your options? Get prequalified today!

Get Prequalified

First-Time Home Buyer Programs in Torrance

We offer tailored loan programs to help first-time buyers in Torrance achieve homeownership with low down payments:

FHA Loan

Ideal for first-time buyers with a low 3.5% down payment. Offers flexible credit requirements and competitive rates.

VA Loan

Available to eligible veterans and active-duty military with 0% down payment and no private mortgage insurance.

Fannie Mae HomeReady

Designed for low-to-moderate-income buyers with a 3% down payment and reduced mortgage insurance costs.

Real Estate in Torrance

Torrance’s real estate market is very competitive, with an average home size of around 1,500-2,000 square feet. The median home value is $1,073,125, reflecting a 6.1% increase from 2024. The average resident age is 43.1, making Torrance attractive for professionals and families. Single-family homes account for 53.1% of housing units, with large apartment complexes comprising 31.8%.

Find your dream home today!

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Living in Torrance

Torrance offers a vibrant community life with excellent amenities:

  • City Hall: Located at 3301 Torrance Blvd, Torrance, CA 90503, providing essential services and community programs.
  • School District: Torrance Unified School District, serving students with schools like Torrance High and West High School.
  • Education: Access to El Camino College and adult education programs for career development.
  • Financial: Numerous banks, including JPMorgan Chase and Bank of America, support financial needs, with a median household income of $113,105.
  • Safety: Torrance has a moderate crime rate, with a violent crime rate of 2.73 per 1,000 residents and a property crime rate of 26 per 1,000 residents, higher than the national average.

Explore more about Torrance’s dynamic community!

Learn More About Torrance

Why Choose Torrance Mortgage Loans?

At Torrance Mortgage Loans, we’re your trusted partner in achieving homeownership in Torrance, CA. Our local expertise, personalized service, and commitment to finding the best mortgage solutions make us the top choice for first-time buyers and seasoned homeowners alike. We understand Torrance’s unique market and work tirelessly to secure competitive rates and flexible loan options tailored to your needs.

Our team is dedicated to guiding you every step of the way, ensuring a smooth and stress-free experience. Trust us to help you unlock the door to your dream home in Torrance!

Do You Have Queries?

Please Go Through

'Frequently Asked Questions'

What are the required qualifications for obtaining a mortgage?

To qualify for a mortgage, lenders typically look at your credit score, income, debt-to-income ratio, employment history, and the amount of down payment you can make. Each lender may have different requirements, so it's essential to understand the specific criteria. To get a detailed understanding of what you may qualify for, I encourage you to fill out the form on this page above. This will allow one of our experienced loan officers to provide you with a personalized mortgage quote and guide you through the qualification process.

How do I contact you if I have questions?

Reach out to us effortlessly:

🌐 chat with us on https://alhambramortgagelender.com

📧 [email protected]

📞 888-378-4065

How do I choose the best mortgage type for my situation?

Choosing the right mortgage depends on your financial situation, how long you plan to stay in the home, and your risk tolerance regarding interest rate fluctuations. We offer both fixed-rate and adjustable-rate mortgages. To decide which is best for you, please fill out our form above to receive a tailored quote and advice from our loan officers who can provide guidance based on your specific financial goals.

What is the difference between pre-qualification and pre-approval for a mortgage?

Pre-qualification is an initial assessment to give you an idea of how much you might be able to borrow. It's based on information you provide and does not include an in-depth credit review. Pre-approval is more comprehensive; it involves verifying your financial information and credit rating, giving you a better indication of what you can actually afford. It's useful when making offers on homes. For further clarity and to start either process, please fill out our online form above. Our team is ready to assist you with detailed insights and next steps.

Office:
21213 Hawthorne Blvd, Suite B,

Torrance, California 90503

Call

+13103889910

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