The OC Mortgage Dude

The OC Mortgage Dude positions itself as more than just a mortgage broker, serving as a dedicated partner and guide for individuals on their path to homeownership. Based in La Palma, California, the company emphasizes simplifying the often-complex mortgage process, aiming to make it a transparent and delightful experience for its clients.

A core aspect of their service philosophy is clear communication regarding costs. They provide detailed insights into closing costs, which typically range from 1.5% to 2.5% of the loan amount, and highlight that the only expected out-of-pocket expenses are for appraisals and home inspections, typically ranging from $500 to $750 each. This commitment to transparency is designed to empower borrowers with informed decision-making.

The OC Mortgage Dude offers a comprehensive suite of residential mortgage solutions, including purchase loans, various refinance options (such as cash-out), Home Equity Lines of Credit (HELOCs), and Reverse Mortgages. They cater to a wide range of property types, including single-family homes, condos, townhouses, multi-family (2-4 units), and manufactured homes, across different occupancy types (primary, second home, investment). With an inclusive approach, they work with borrowers across various credit tiers, down to a minimum score of 580, and accommodate diverse income and employment types, including W-2 employees, self-employed individuals, and those with retirement income, including specific provisions for veteran programs.