Only 1 Benji Family

Every family has a story to tell, so let us help write yours!

The Only 1 Benji team has been providing home mortgage and refinancing services here in Redding California for over 15 years. When it comes to financing your home, just remember, There's Only 1 Benji!

Meet the Team

Videos

TV Commercials

New!!! Protecting Your Mortgage
Only 1 Benji launches the latest commercial featuring a military theme. When searching for a house, always know we are looking out and protecting you....
Only 1 Grocery Store
Family is everything. Only 1 Benji explains the lending process in this 30 second commercial like shopping for a home loan. If you are in...

Market Updates

Fall Market Update With Only 1 Benji 10/1/2019
This is my fall market update. We will be talking about interest rates, the housing market, as well as, whats going to happen to house...
Redding, CA Mortgage Lender - Only 1 Home Loans - Recognized on Channel 7 News
Scotsman Guide Magazine Ranked Benjamin Edwardson #1 in Shasta County, #3 in California, & #11 in the United States for FHA Loan Volume in the...

The Process

Welcome - Intro to Our Team
At Only 1 Home Loans, we want to make it extremely comfortable for you to go over home buying and refinance options in Redding. Whether...
Congrats On Being Approved To Buy A House
This video is is a congratulations and explainer on the next steps after you are approved to buy a house. We work hard to gather...

Testimonials

Yori & Adriana Niculescu Testimonial
Incredible people and Amazing Clients. Yori & Adriana have used our team for the past 10 years and have been in 3 different homes. If...
Edwardson Testimonial
Benji & Jamie Testimonial Video of life and their family focus and values. Born and raised in Redding, both of them work extremely hard to...

Raving Fans

1Benji made our experience easy from the first phone call to the last.
I highly recommend 1Benji for home buying to refinance they are top notch!
Thank you
Leigh Barrera

leigh b.
9/03/2019
5 star rating

Benji and his team are amazing to work with. This is the second time we have worked with them. The process has bee easy. We will only use Only 1 Benji!

Brenna N.
2/26/2020

Excellant Got my home refinanced, excellant rates and excellant service. Very personal and friendly, had a great experience. Very nice people.Would recommend to anyone.

urbanpse
6/04/2019

Refinacing...his team and him are a Must! We felt so welcomed in this establishment and the services we needed was more then we expected. We got what we wanted as far as great customer service and Benji... read more

avariceink
6/08/2019

So happy with Benji and his team! We had a great experience with prime source!!!! They were all incredibly friendly, driven attitudes, and got our home loan done in a... read more

Tiffany B.
5/05/2016

I'm so happy i got a loan from a loan lender which help me out with my loan. It was unbelievable on how i got a loan of $120,000,00.. i... read more

Ne N.
5/27/2019

After my home buying experience a year and a half ago I was reluctant to start a refinance and go through the process again. The previous company acted more as... read more

Tom's A.
9/30/2019

#1 Benji lives up to his name! This is the second time I have went to #1 Benji for a home loan and both experiences were excellent. I loved the fact that everyone treated my children and... read more

r f.
8/20/2019

Redding Home Loans

We've highlighted 3 popular Redding home loan programs below along with some of their key benefits. Choose any of the following to learn more or click on loan programs at the top of this page to view additional home loan programs available here at Only 1 Home Loans.

Jumbo Home Loans Redding

Jumbo Home Loans Redding, CA

You’re buying a home that requires a mortgage above the conforming limits. You’ve got the income and cash reserves to support a large house loan.

  • Higher Credit Scores
  • Higher Down Payments
  • More Expensive Homes
Learn More
FHA Home Loans Redding

FHA Home Loans Redding, CA

FHA home loans require as little as a 3.5% down payment which makes them a very popular home loan option for a majority of homebuyers in Redding.

  • Lower Credit Requirements
  • Lower Down Payments
  • More IN-Expensive Homes
Learn More
VA Home Loans Redding

VA Home Loans Redding, CA

Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.

  • 0% Down Payment
  • No Mortage Insurance
  • No Prepayment Penalties
Learn More

Mortgage Calculators

Conventional mortgages in Redding are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Only 1 Benji Family

We Look Forward to Working with You!

(530) 949-9560

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