Here, at Mortgage One, we offer many financing programs to help you find the right one that fits your needs and wants. We are the lender, allowing us to offer a wide variety of programs that some mortgage companies can’t. Take a look at some of the programs below and give us a call to speak to a loan officer today.


An Federal Housing Administration (FHA) refinance mortgage or FHA loan allows for the refinance or purchase of a home with a low down payment. 100% gifted down payment allowed with seller contributions toward costs allowed, no reserves required and no prepayment penalties. These loans are great for the first and second time homebuyer.

Rural Development

USDA rural development mortgages provides low-cost insured home mortgage loans that suit a variety of options. This loan program requires zero down. There is no sales price limit, seller can pay all closing costs and pre-paids. A USDA mortgage loan might be right for you if you want to purchase a home with no down payment and low monthly mortgage insurance.


A conventional mortgage allows you to be flexible. There are loans with financing terms of 10,15,20,25 and 30 years. Fixed rates, no prepayment penalties. Adjustable rates with fixed rates for 1,3,5,7 or 10 years.


If you are a veteran lets see if you qualify for the VA program today! Typically this program is zero down on purchase loans with a low fixed rate, seller can pay all closing costs, no monthly mortgage insurance and much more.

203K – Rehab Program

The 203(k) program is a program for the rehabilitation and repair of single family properties. It’s for when you just love the house…except for the leaky pipes or the kitchen is too small. For the house that is almost perfect, we have the perfect solution. The FHA 203K Mortgage is a mortgage and home improvement loan all in one. Now you can buy or refinance a property that needs renovation, repair or remodeling and easily finance both the purchase and the improvements in one easy step.


MSHDA offers several loan products for low to moderate income homebuyers. MSHDA down payment and closing cost assistance is available. These programs have generous sales price and income limits. MSHDA is a great program with great fixed rates and no prepayment penalties.


The MCC program gives a credit back to you based on the mortgage interest that you pay. This credit is up to 20% of the interest paid. This program effectively lowers your  interest rate by 1 ½ %. This program has generous income limits and sales price limits.


HomePath Mortgage allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance. Expanded seller contributions to closing costs are allowed.

Yes We Can

Mortgage 1 is the proud creator of the “Yes We Can” program which allows customers to escrow for repairs and have them completed after closing their loan!