One Easy Fee Home Loans is a mortgage lending company operating in California with NMLS License #640300 and BRE License #01119095. The company positions itself as innovating the mortgage origination, processing, and funding experience. They operate during standard business hours (Monday–Friday, 8am-6pm PST) and can be reached at (800) 486-0074.
The company offers a comprehensive range of mortgage products including purchase loans, rate-and-term refinances, cash-out refinances, and streamline refinances. They serve borrowers across all property types—from single-family homes to manufactured homes, condos (low-rise, high-rise, and site condos), PUDs, 2-4 unit properties, townhouses, and cooperatives. They accept applications for primary residences, secondary residences, and non-owner-occupied investment properties.
One Easy Fee's primary differentiator appears to be their instant rate quote tool, which allows borrowers to input detailed loan parameters (purchase price, loan amount, credit score range from 560-800+, occupancy type) and receive rates immediately without a hard inquiry. They serve all California counties, with specific emphasis on San Diego County. The platform emphasizes speed and transparency in the rate-shopping process.
The company's online presence is functional but limited to rate quoting and contact forms. While they service a broad market across California and handle multiple loan types, there is minimal information provided about specific loan programs, fee structures despite the company name, approval timelines, or distinctive lending criteria. Borrowers should contact them directly to understand specific terms, closing costs, and product offerings.