Top One
Investment, Inc At Top One Investment Inc, we simplify the mortgage process with speed and unmatched customer care, always prioritizing your financial interests. From start to finish, we're here to help you invest in a better future with ease. Explore Mortgage Programs follow us

about Top
One Investment, Inc?

At Top One Investment Inc., we offer a simple mortgage loan process. Speed to the closing table. An unwavering commitment to customer service along the way that puts the client’s needs and financial interest first. This is what we do every day, and in all these years, we’ve never lost sight of these fundamentals. Our goal is to provide you with an exceptional level of care as we assist you in achieving your financial goals. Your home is more than a place to live. It’s an investment in a better future. We’ll help you with mortgage refinance all the way from beginning till the end.

Current interest Rate

Program Conforming APR HB APR Jumbo APR
30 YR 6.000% 6.065% 6.250% 6.756% 6.625% 6.657%
15 YR 5.500% 5..566% 5.875% 5.952% 6.500% 6.532%
7 YR ARM 6.125% 6.191% 6.125% 6.155% 6.375% 6.206%

2025 Loan Limits

Units Conforming High-Cost Area/High Balance
One $806,500 $1,209,750
Two $1,032,650 $1,548,975
Three $1,248,150 $1,872,225
Four $1,551,250 $2,326,875

PURCHASE/REFINANCE CALCULATOR

Purchase Calculator

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5%

1%

5%

$
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$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Refinance Calculator

REFINANCE NOW
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Mortgage Programs

We are offering an array of conventional loan programs to serve your purchase and refinance goals such as:

CONVENTIONAL LOAN PROGRAMS (40/30/20/15)

Our conventional loan programs offer flexible terms of 40, 30, 20, and 15 years, providing you with options that best fit your financial goals.

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JUMBO LOAN PROGRAMS

For high-value properties, our jumbo loan programs cater to homebuyers who need financing beyond conventional limits.

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VA / FHA

We proudly offer VA and FHA loan programs, designed to assist veterans, active-duty service members, and first-time homebuyers.

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HELOC / HELOAN (2ND LOAN up to $600,000)

Unlock the equity in your home with our HELOC and HELOAN programs, offering second loans of up to $600,000. Whether you’re planning home improvements or consolidating debt,

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NON-QM LOAN PROGRAMS

For those with unique financial situations, our Non-QM loan programs allow income qualification through business or personal bank statements, rental income, or asset utilization.

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    Veiw All

    Need to
    Refinance
    Your Home?

    Top One Investment offers fast, easy refinancing solutions to help you reach your financial goals. Get competitive rates and a simple process tailored just for you!
    Start Your Refinance

    SPECIAL NICHE LOAN PROGRAMS

    We have special programs for niche such as:

    HARD MONEY LOAN FOR SHORT-TERM NEEDS

    When you need quick funding, our hard money loans can close in as little as a week.

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    EASY DOCUMENT LOAN PROGRAMS FOR SELF-EMPLOYED AND OTHERS

    Our stated income and easy document loan programs cater to self-employed individuals or those with unconventional income sources.

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    MOBILE HOME LOANS

    We offer specialized financing for mobile homes, providing affordable loan options with flexible.

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    INVESTOR LOAN PROGRAMS

    Our investor loan programs allow you to qualify based solely on rental income, with no restrictions on debt-to-income ratios.

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    BRIDGE LOANS / FIX & FLIP

    For those transitioning between properties or looking to renovate and sell, our bridge loans and fix & flip financing offer short-term solutions with flexible terms,

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    COMMERCIAL & CONSTRUCTION LOANS

    We offer tailored financing for commercial and mixed-use properties ranging from 5-50 units. Whether you’re looking to build, expand, or refinance,

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    SBA LOANS

    Our SBA loans are designed to support small businesses with competitive rates and long-term repayment options. Whether you’re expanding your business,

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      What Our People Say About Us

      Caitlyn T
      Not as bad as the other reviews for sure. Stanley Yung, sales manager, while he did ask for a lot of unnecessary documents, got things done on time and answered the phone promptly. He was sure to give me a heads up before making any major decisions and was easy to communicate with via email. Maybe if you want to work with this company, it is decidedly affordable when you want to refinance your home and is not a huge hassle in terms of customer service. Definitely recommend Stanley as the best person in this company.
      Tiffany L
      They are absolutely the best! I have been with them for several years. The Broker and his team helped me with the purchase of my first home and now I’m looking to buy another one. For my first home, they were able to secure a very good interest rate with a short closing date. In this competitive market in the Bay Area, having a short closing date means a lot to many sellers. In fact, many specifically request a short closing date, so their fast service is definitely to my advantage. No one can beat their interest rate. Stanley is awesome. He is very responsive and answers all my questions. I really do feel bad because sometimes I have to contact Stanley after normal business hours or even on the weekends; but he always answers my text or email. I know I can count on him. When he quotes me an interest rate, I know it’s the lowest and the best; I really don’t need to compare with other lenders. He is very transparent. I trust Stanley 100% and will not go with any other lender.
      Man T
      We finally closed our house after 20 days. Thank you Top One Investment’s effort and endless support. The Broker, Ming Kwok and his team was recommended by one of my close friends from out of State and he did an incredible job from the start to finish. As a first time home buyer, we have so many questions to ask and he’s very responsive plus always willing to answer any questions from our end. We cannot thank his team enough, especially Stanley Yung (the Sales Manager), for his great contribution to help and his outstanding work ethics. We’re truly looking forward to working with him again in the future. Truly highly recommended! 100 starts for the excellent service.

        Why Choose Top
        One Investment, Inc?

        • We are in the mortgage lending business for years +15
        • We have certified professional loan officers and real estate agents who can speak Mandarin, Cantonese, Vietnamese and Hindi to assist you anytime, any reasons.
        • We are locally owned and operated with free consultation

        We offer mortgage services & home purchase:

        • Conventional loans, jumbo mortgages
        • Condominium loans, mobile home financing
        • Fixed and adjustable rate mortgages (arm)
        • Hard money loans (closed in a week, simple and fast)
        • Easy document loan programs for self-employed
        • Employment verification only loan program
        • Bridge loans, fix and flip loans
        • Investor loan programs (allow you to qualify the loan based on rental income only)
        • SBA & commercial loans
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