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

The staff is extremely nice and welcoming. They are all very professional and work quickly to get your home loan application approved.

Hannah H.
6/23/2018
5 star rating

Buying my first home and was referred to Benji by another person who also had a great experience. I have had nothing but great experiences with Benji and his office... read more

William B.
3/04/2020

Benji's office was helpful and processing our home loan and explaining the process thoroughly. his staff is friendly and helpful. I would recommend them especially for first-time home buyers.

Angela M.
9/22/2019

Smooth Sailing Very impressed with the entire staff's kindness and professionalism. So far this entire purchasing experience has been smooth sailing. Thanks so much 1Benji!

t k.
9/08/2019

Benji is awesome! Benji and his team are hard working and loyal! They take the time to listen and give us our options. We appreciate all Benji and his team have done for us!

Jennifer S.
4/28/2019

Great to work with! If you want an easy and smooth process go to benji. Not only did he help us find one of the best realtors the whole process has been very simple.... read more

Eric H.
7/22/2019
5 star rating

Benji and staff were great! They made refinancing easy and seamless. the most important part of course the rate which was great and the overall price which was cheaper than... read more

Rachel R.
10/04/2019

Only1Benji and his team have been kind, straightforward, and they get the job done. We are purchasing our forever home and have had a great experience. There has been clear... read more

Chelsea L.
11/19/2018

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

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(530) 949-9560

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