Independent mortgage brokerage · California

Take the first step toward understanding your loan options before you make an offer.

Tell us a little about your situation. We compare lender options and explain the numbers plainly — in English or Korean.

NMLS #2745505 · Licensed in California · No credit pull to start

The five-question assessment starts the pre-approval conversation — it is not a pre-approval itself, and it doesn't touch your credit. Just want a payment estimate? Use the calculator.

Company & license info
Multiple lender optionsIndependent — not tied to one bank's pricing
One loan officer, start to finishThe same person from first call through funding
English & Korean serviceEstimates and disclosures in either language
No credit pull to startThe Initial Assessment never touches your credit
01Where are you starting from?

Pick the one that sounds like you.

Each path starts the same five-question assessment with the right goal already selected.

02Initial Assessment

Five quick questions. No documents, no credit pull.

Your answers help us prepare for a useful first conversation.

Step 1 of 5

What are you looking to do?

This is an initial assessment, not an application for credit, pre-approval, rate quote or commitment to lend. We do not ask for your Social Security number, date of birth, account numbers or documents here, and your answers are not saved in your browser.

03Why Mortgage Guys

Clear estimates before you commit.

An independent broker has one job: find the loan that fits, then explain it until it makes sense.

We compare lender options.

As an independent broker, we are not limited to one bank's programs or pricing — we place your file where it fits.

Costs explained plainly

Payment and closing-cost scenarios you can actually read, before you sign anything.

Direct access to your loan officer

One person handles your file from the first call through funding — call, text or email them directly.

English and Korean

Estimates, disclosures and explanations in whichever language you prefer.

Licensed and verifiable

NMLS #2745505 · California DRE licensed. Check us on NMLS Consumer Access.

04About the brokerage

An independent brokerage that works for you, not the bank.

Mortgage Guys (MTG Guys, Inc.) is a California DRE-licensed mortgage brokerage based in California, serving homebuyers, homeowners and investors across California. Because we are not tied to one lender, every file is placed where it fits — and explained in English or Korean.

Your loan officer
Peter Oh

Peter Oh

President · Mortgage Loan Originator
NMLS
#1557136
Languages
English, Korean
Focus
Purchase & refinance · self-employed (bank-statement / P&L) · investment (DSCR) · jumbo · first-time buyer programs
What clients said about Peter

Written by clients about Peter Oh's work at Mortgage One Group (Santa Fe Springs, CA) before he founded Mortgage Guys. Quoted as written, names shortened; read the originals on Google.

★★★★★
Just like others left comments here, I also highly recommend Mortgage One Group and Peter Oh to anyone who's looking for a lender to purchase a home. I met with Peter through a referral, and grateful for his patient, understanding, professionalism, prompt responses, and details to every steps in the process. Not only he got me best rate, entire process was very smooth, and really enjoyed working with him. I have no doubt that Peter and Mortgage One Group will do the same for your needs. Awesome job and thank you!
Joseph K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I've chosen Mortgage One Group for my first home purchase. I've visited and compared many banks, but Mortgage One Group was the best loan company and did provide me the friendliest service and the lowest cost/interest. Especially, thanks Peter Won Oh, my loan agent, for helping me get the lowest interest rate and for being always caring my questions. There was no confusion nor hassle during the whole loan process because he literally went over all the documents and numbers. All the communication was very responsive, and that was what I liked most. Thanks again for your generous service!
Junehyurk C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I recently worked with Peter Oh for my refinance mortgage. He was awesome and attentive and made me feel comfortable through entire process. He helped me figure out couple of issues and get the best deal possible. I had a great experience with him and would recommend him to anyone looking for a mortgage financing.
Minsup S.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
We worked with Peter Oh for our most recent mortgage. We had worked with Jun Choi before and Peter was assisting/training during our previous mortgage process. Peter seems to have earned enough trust to do things on his own now. He was very professional and kept us up to date on what was going on. It is a fast moving industry, but Peter took his time to explain our options. We went to Mortgage One Group office to sign our loan documents and Peter walked through the numerous documents we had to sign. He also answered all the questions we had on the documents. I highly recommend working with Peter and Mortgage One Group.
Patrick K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
We worked with Peter Oh. He was very professional, always available to talk over phone or email, and answered all our questions thoroughly. He consistently kept us updated throughout the month of escrow and our loan was funded right on time. I would recommend Mortgage One Group to anyone buying a new home.
Erin K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh helped us with financing our first home. Since it was the first time for securing a loan for us, we had a lot if questions. Peter was always available to answer all the questions we had during the whole process, from start to finish and he explained everything to us in great detail! I would definitely recommend my family and friends to use Mortgage One.
Sewon L.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
안녕하세요? 이번에 Mortgage One Group 을 통하여 두번째 재융자를 진행 했습니다. 역시 담당자는 Peter Oh 씨를 통해서 했구요. 제가 이 회사를 통해 또 한번 재융자를 실시한 이유는 무엇보다도 확실한 업무 처리와 친절한 상담 그리고 전문성을 갖춘 담당자 때문입니다. Peter Oh 씨는 융자에 대한 지식이 없는 저에게 자세한 진행 절차와 최선을 다하시는 모습과 신뢰 그리고 믿음을 주셨습니다. 회사는 좋은 직원으로 인하여 더 성장한다고 생각합니다. 회사를 방문했을 때에도 젊은 분들의 활기찬 모습과 분위기에 빠르고 정확한 회사임을 더 알게 되었습니다. 앞으로도 융자에 대한 문의 및 기회가 있으면, 항상 Mortgage One Group 을 통해 진행할 것입니다 변함없이 성심 성의껏 도와주신 Peter Oh 씨에게 다시 한번 감사드립니다. (Translation: “This was my second refinance through Mortgage One Group, again handled by Peter Oh. I came back because of the reliable work, kind consultation and real expertise. Even though I knew nothing about loans, Peter explained every step in detail and did his best, which gave me trust and confidence. If I ever need a loan again I will always go through Mortgage One Group. Thank you again, Peter, for your sincere help.”)
B SGoogle review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter at Mortgage One Group was super easy to work with. He was very professional and helpful from the throughout the whole process from beginning to the end. He was a very prompt and knowledgeable person. I highly recommend Mortgage One Group for your home loans.
Paul K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Mortgage one- Peter씨 와 Jun씨 를 만난건 행운이었어요. 전문적이고 정확한 일처리는 진행과정 중에 믿음을 주었고 빠른일 처리로 어려움 없이 마음에 드는 집을 살수 있었어요. 다시 한번 감사드리고 모든분에게 추천합니다. (Translation: “Meeting Peter and Jun at Mortgage One was a stroke of luck. Their professional, precise work gave us confidence throughout the process, and thanks to their speed we bought the home we loved without any trouble. Thank you again — I recommend them to everyone.”)
Amy Y.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh w/ Mortgage One Group has help me and my wife get a new mortgage loan for the property that we moved into in mid-December. The process went very smoothly as Peter helped us with the whole application process. We had a 45 day escrow window for the home purchase, and Peter helped us navigate through the lock/float period as he provided daily update of 30 yr fixed rate. I am happy with the overall process and thank Peter for his help and service.
Min Q P.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh is a talented pro, and helped us nail down a great rate in record time, and quickly handled any challenges that came up during escrow. Not only that, he's a truly decent and good guy and always quick to respond. Very informed and responsive. I recommend him without hesitation!
John Y.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I refinanced with Mortgage One Group and they made my mortgage refinance quick and painless. Peter Oh is an incredible broker. He provided helpful information on mortgage refinancing and kept me informed of my loan application process, not to mention the best mortgage rate he locked in for me.
Richard & EstherGoogle review · Mortgage One Group (Peter's prior firm)
★★★★★
This is the lender you'd like to go for. I had great pleasure working with Peter Oh. He absolutely did a great job getting me the lowest rate possible and he was prompt, very thorough, courteous, professional and very knowledgeable. Emails, phones calls, and texts were returned immediately. Peter helped me through complex, challenging circumstances and made the loan process as painless as possible. I would highly recommend Peter without hesitation.
Jiwon L.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I applied for my mortgage loan through Mortgage One group and Peter Oh has been helping all the processes from the start till the end. Very competitive interest rate I got and Peter was very easy to reach out every time I had questions or concerns.
Jay K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Mortgage One Group을 통해서 융자를 받았습니다. Peter Oh와 Jun Choi님께서 저희에게 아주 적합한 융자 프로그램을 찾아주신것에 대하여 감사드립니다. 특히 진행중에 어려운 상황이 발생해도 항상 전문성을 가지고 편안하고 쉽게 해결해주셔서 무척 인상적이었습나다. 또한 융자 기간중 항상 빠잠없이 진행 상황을 알려주셔서 감사했습니다. 미국 생활을 하면서 누구에게나 필요한 융자업무에 이렇게 믿고 맡길수있는 한국계 융자회사를 찾을수 있었다는것은 저에게 놀라운 일이며 행운이었습니다. (Translation: “We got our loan through Mortgage One Group. Thank you to Peter Oh and Jun Choi for finding a loan program that fit us so well. Even when difficult situations came up, they handled them professionally and calmly, which impressed me, and they kept us informed of every step. Finding a Korean-American lender I could trust with something as important as a mortgage was a real stroke of luck.”)
Sang Ik L.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Communication! Peter Oh was readily available to keep in contact with me whenever I had something to talk about. It was clear that Peter is trustworthy who is also dedicated to his work. I was very satisfied going through the mortgage loan process with him. I highly recommend!
James H.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Thanks to Mortgage One Group and Peter who took care of us for a first time house buying process. Peter responded quickly and answered all our questions during the process. Great customer service, highly recommend them.
박형철Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh was great. He provided fast and competitive service and best mortgage rates. Very clear understanding of what will happen during the process. Clear communication, and straightforward process. Highly recommend!!!
Junghoon P.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
안녕하세요. 이번에 Mortgage One Group 을 통해 첫 주택 구입을 장만하였습니다. 사실, 처음에는 미국에 많은 정보와 Mortgage 회사들이 많아서 여러군데 상담도 해 보았습니다. 하지만, 무엇보다도 중요한 일을 맡기는데에는 담당자가 얼마나 손님에게 믿음을 주고 성실하게 도와것이라고 생각합니다. 저를 처음 도와주신 Peter 선생님은 무엇보다도 매우 친절하였으며, 어떠한 방법으로 어떻게 다운페이를 마련하고, 진행할 지 구체적인 방법을 잘 설명해 주셨습니다. 또한, 처음부터 끝까지 일일히 빠른 연락과 그에 대한 방법을 잘 안내해 주셨습니다. 매번 궁금한 것이 있을 때마다 여러분의 전화를 드렸지만, 늘 편안하게 답변을 매우 잘 해 주셔서 정말 감사했습니다. 이렇게 성실하고, 믿음을 주며 도와주셔서 끝까지 아무런 사고 없이 잘 마치게 되었습니다. 그리고, 첫 집 장만의 어려운 사정을 이해해 주시면서 끝까지 이자율을 낮추어 주시고, 작은 것 하나라도 도와주신 점에 대해 매우 인상적이었습니다. 아무쪼록, 도와주신 Mortgage One Group 과 Peter 선생님에게 다시 한번 감사드립니다. 제가 아는 주위분들에게 Peter 선생님 적극 추천 하겠습니다. (Translation: “I bought my first home through Mortgage One Group. I had consulted several companies, but what matters most is how much trust and sincerity the person handling your file gives you. Peter was very kind, explained concretely how to prepare the down payment and how the process would go, and kept in quick contact from start to finish. I called many times with questions and he always answered patiently. Everything closed without a single problem. He understood the difficulties of a first purchase and worked to lower the rate to the end. Thank you again to Mortgage One Group and Peter — I will recommend him to everyone I know.”)
Yong Seok S.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I'm finally closing on my first home. Since it's my first home, there were so many things I didn't know, but Peter was always so kind and quick to answer all of my questions and help me until the end. I'm truly touched. Thank you. For those who need a loan officer, I highly recommend Peter.
Kenneth K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I will definitely recommend mortgage guys. Jun and Peter were diligent and honest. I've shopped other lenders, but always had some doubt that they are tricking me... With Jun and Peter, they were super clear about the rate and closing cost in the beginning and it didnt change at the closing. I will definitely work with them in the future.
J KGoogle review · Mortgage One Group (Peter's prior firm)
★★★★★
These guys know what they are doing. Peter and June walked me through the whole process and explained everything precisely. At first I'd imagined this process to be stressful but with Mortgage One it went smoother than it could have ever been. They answered all of my questions even after the business hours and they always made sure to update me whenever anything changed. Home buying can be a dreadful experience but having the right lender can change all that and I'm greatful for Peter and June for not only locking me in at an unbelievable rate but also making this whole process a pleasant experience.
Jae K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I was very pleased with Peter Oh's ability to secure mortgage loans at a better rate than many of their competitors. Peter is always available to answer all of my questions and concerns. Very approachable and knowledgeable about mortgage loan. Thank you Pete!
Sam P.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
It was first time purchase and I did not know anything about the loan programs. However I am glad I found Peter and Jun~ They explained the whole purchasing process and very honest about the interest rate and fees. I will definately recommand the mortgage guys team for first time home buyers!
Jamie H C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
As a first time buyer, I had a remote sense of anxiety paired by scads of questions. Luckily, Peter helped ease the buying process by simply listening to all of my concerns and questions to serve my needs. He was by far, one of the most informative, qualified, and yet down to earth professionals I've ever dealt with. Kudos!
Terry M.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I found this mortgage lender online and read reviews with all 5 star. I was little bit skeptical but Peter Oh was awesome from the beginning to the end of my mortgage processing. I would highly recommend to anybody.
Raewon P.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I highly recommend working with Mortgage One. Peter and Jun were awesome. They are very attentive and knowledgeable. Always available when I had a question or concerns. Two thumbs up!
Alison C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh was excellent in carefully explaining each step of the home buying process and worked on our schedule to make sure all of our needs are met and questions are answered. Appreciated the frequent follow up and always kept us notified on every update.
Shawn C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter is the best broker I have ever seen and I fully recommend. He suggested me lots of options I can select and explained me the pro and con for each of them. During my process, he updated the status as often as I expected and needed. All processes are very clear and accurate.
Taekyun K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh is not only handsome but also great at his job. I like that he's reliable and quick to respond with accurate information. I had a good experience working with him. Thanks Peter.
김양근Google review · Mortgage One Group (Peter's prior firm)
★★★★★
My loan process was seamless and very easy at my side. I really appreciate Mortgage One team, especially Peter and Matt for their professionalism and hearts to help. Thank you!
J.M. L.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh was really helpful and professional with the service. He was always available to answer any questions even the basic ones. The whole loan process was fast and reliable.
Steve R.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I really satisfied working with Peter, he understands what I needed and service was very helpful and fast. I highly recommend Mortgage one group.
Jung C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
We worked with Peter to apply for our mortgage and he was very professional and made himself available at all times. It was a great experience!
Monica C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter 씨 융자를 신속하고 정확하게 잘해주셔서 대단히 고맙습니다. 설명도 차분하고 이해하기 쉽게 말하시고요. 아주 믿음이 갑니다. 주위에 적극 추천하고자 합니다. 내가 만나본 loan officer 중에서 best 입니다. 고마워요! (Translation: “Thank you, Peter, for handling my loan quickly and accurately. His explanations are calm and easy to understand, and he inspires real trust. I'll be recommending him to everyone around me — the best loan officer I've met.”)
James K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
It was great working with Peter from Mortgage One Group. He is kind, fast on what he does and knows what he's doing.
Joon Seok L.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
We recently refinanced with Peter Oh and he got us a great rate. The process was smooth with no surprises.
Esther K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Mortage One- Jun and Peter team was amazing. They were always there to answer my question (text, phone and emails). This was completely different then my previous experious...
Karen S.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
이번에 Mortgage One Group Jun 사장님과 Peter 씨의 큰 도움으로 주택을 구입하게 됐습니다. 책임감이 강하시고 항상 성실하게 고객의 필요에 귀기울이셨어요. 무엇보다도 고객이 잘 모르는 부분을 앞서서 해결해주실려고 애쓰시는 부분이 참 좋았습니다. 감사합니다. (Translation: “With the great help of Jun and Peter at Mortgage One Group we were able to buy our home. They are responsible and always listened sincerely to what we needed. Above all, I appreciated how they worked ahead to resolve the things we didn't understand. Thank you.”)
Soohyun A.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I was so lucky to have met Peter. He was very kind and the work was quick and accurate, so I was able to finish it quickly. Thank you again!!!
Cali B.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh 씨는 정확하고 빠르게 진행과정을 update 해주셔서 너무 감사해요. 언제나 친절하게 설명까지 더하셔서 편하게 론을 받았어요. 감사합니다. (Translation: “Peter Oh kept me updated accurately and quickly throughout the process. He always added a kind explanation, so getting the loan was easy. Thank you.”)
Jina HGoogle review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh 님의 친절한 상담과 론이 나올때까지 최선을 다해 일 처리를 해 주신 덕분에 원하던 집을 구매하게 되었습니다. 진심으로 감사드립니다. (Translation: “Thanks to Peter Oh's kind consultation and his best effort right up until the loan came through, we were able to buy the home we wanted. Sincerely, thank you.”)
Jaeuk K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Can't ask for more. On top of everything with all the knowledge needed. I don't think I would've had the same experience with anyone else. Ask for Peter then u r all set.
Michael C.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Very honest, helpful, and professional. I will always be getting Peter's help when I need a loan.
Dan K.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter씨는 일을 깔끔하게 처리하시고 회신이 매우 빠르고 친절하신 것 같습니다. (Translation: “Peter handles things cleanly, replies very quickly and is kind.”)
Soon Bal H.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
I'm a very indecisive person and I had countless questions but Peter was extremely helpful and patient with me throughout the whole process. Thank you!!
Juno S.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter was very attentitive and great to work with.
Jae Sung H.Google review · Mortgage One Group (Peter's prior firm)
★★★★★
Peter Oh Number 1
Woojin J.Google review · Mortgage One Group (Peter's prior firm)
Live feed · shuffled on every visit · Google reviews · Mortgage One Group (Peter's prior firm)
05How it works

Four steps, one point of contact.

Consultation

A short call about your goals, timeline and situation. No obligation.

Document review / pre-approval

We review income, assets and credit, then issue a pre-approval letter you can shop with.

Compare options / lock

Once you're in contract, we compare lender options, explain the trade-offs and lock your rate.

Closing coordination

We coordinate with escrow, title and the lender through funding.

06Mortgage calculator

Estimate a monthly payment.

Enter your own numbers. Nothing here is a quote — it's a way to see how each piece moves the total.

Estimated total monthly payment
—
Loan amount—
Principal & interest—
Property tax—
Insurance—
HOA + mortgage insurance—
Loan-to-value (LTV)—
For illustration only, using the numbers you entered. This is not a loan offer, rate quote or commitment to lend. Actual payments depend on the loan program, credit, property and market pricing at the time.
Start My Pre-Approval
07Learn

Questions borrowers ask first.

What's the difference between prequalification and pre-approval?

A prequalification is an informal estimate based on what you tell us. A pre-approval means we have reviewed your income, assets and credit and issued a letter you can submit with an offer. Sellers and agents generally take a pre-approval more seriously.

What documents will I usually need?

Commonly: recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Self-employed borrowers may use business returns or, for some programs, bank statements or a P&L instead. We'll send you a short, specific list after the first call.

I'm self-employed and my tax returns show low income. Do I have options?

Often, yes. Some lenders offer programs that document income with 12–24 months of bank statements or a CPA-prepared profit & loss statement instead of tax returns. Pricing and requirements differ from standard loans, so we compare both routes with you.

What is a DSCR loan for investment property?

A DSCR (debt-service coverage ratio) loan qualifies mainly on the property's expected rent compared to its payment, rather than on your personal income. It's commonly used by investors buying or refinancing rentals. Down payment and reserve requirements are usually higher than for a primary residence.

What affects my monthly payment besides the interest rate?

Loan amount, loan term, property taxes, homeowners insurance, HOA dues and — when the down payment is under 20% on many programs — mortgage insurance. Our calculator above lets you see how each piece changes the total.

Does the Initial Assessment or contact form affect my credit?

No. Nothing on this website pulls your credit. A credit report is only obtained later, with your authorization, when you decide to move forward with a pre-approval.

08Loan options

The programs we work with most.

Program availability, terms and pricing vary by borrower, property and state. Not all products are available in all states.

I

Conventional & Government

Fannie Mae / Freddie Mac, FHA and VA loans, including low-down-payment and first-time buyer options such as CalHFA.

II

Jumbo

Financing above conforming loan limits for higher-priced homes.

III

Self-Employed / Non-QM

Bank-statement, P&L and asset-based programs when tax returns don't reflect your income.

IV

Investment / DSCR

Rental purchases and refinances, including programs qualified on the property's rent.

V

Refinance / Home Equity

Rate-and-term or cash-out refinances, HELOCs and fixed-rate second mortgages.

09Contact

Talk to a loan officer.

Call, text or send the form. We reply within one business day.

Call Us