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

#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

We sat down with Benji with many scenarios that we were considering. Unsure if we wanted to sell, refinance or take out equity. Benji brokedown every scenario for us and... read more

Elizabeth N.
6/18/2019

Great leader We've been searching for a home for over 3 years now. A few of our friends had told us to get in contact with Benji. We met with him the... read more

Hneholzer
7/22/2019

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

home purchase Just a phone call and i was on the way to buying my first home, it was that easy! Now we are refinancing. 1Benji and team have helped us along... read more

leigh b.
9/03/2019

Benji and his team have been such a huge help in purchasing my first home. From the moment I walked through the door, I felt comfortable and welcome. They strive... read more

Joey S.
8/29/2017
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

Happy and we know it We have used Benji and his team now twice and are very happy with how the process has gone both times. They make it easy, enjoyable and always give complete... read more

froggirl132001
8/26/2019

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

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(530) 949-9560

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