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

Everyone in the office is very nice and treated us very well. Benji was great at informing us the process of buying a home for the first time.

Megan D.
5/25/2018

Amazing experience Such an amazing experience. Benji and his staff make the home loan quick and easy !! Very professional and kind, the process could not have been any easier !!

terry
7/08/2019

I was terrified to refinance. I had been thinking about it for quite some time. I did some research online and then my email blew up with all... read more

Karen W.
11/04/2017
5 star rating

I've used Benji for several loans and he and his team did an excellent job. The lending parameters have changed so much over the years and it seems like they... read more

Scott S.
11/20/2015

This being our first home loan. We shopped around. Banji was the best deal and local. Mike helped us finish the paperwork to get our first home. I would... read more

Dan M.
9/21/2019
5 star rating

My wife and I were first time home buyers, utilizing a VA loan.  We decided to use Benji through a personal reference.  I cannot say enough about this man.  Benji... read more

Jerimiah J.
4/06/2017

As a first time home buyer, him and his staff are making the experience easier to deal with than I initially thought.

Scott S.
3/05/2018

Only 1 Home Loans We have used Benji twice for financing for our homes and we think he's very good and very efficient. His staff is very friendly and helpful. Benji is always helpful... read more

merehuman c.
6/26/2019

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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $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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