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Flexible mortgage solutions for homebuyers, homeowners, and real estate investors.
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Nathan Padilla
Account Executive & Loan Originator · NMLS #1087693
2102 Business Center Drive
Irvine, CA 92612
Not Every Borrower Fits the Same Mortgage.
From traditional home loans to flexible, alternative financing, I'll help you explore the right solution for your goals.
Conventional Loans
Purchase and refinance solutions for qualified homebuyers.
FHA & VA Loans
Flexible financing options for eligible homebuyers and veterans.
Non-QM Solutions
Bank statement and alternative income documentation programs.
DSCR Investment Loans
Financing based primarily on investment property cash flow.
Second Mortgages
Access home equity without necessarily replacing your first mortgage.
HELOCs
Flexible credit lines secured by available home equity.
Construction Loans
Financing options for eligible ground-up and specialty projects.
Reverse Mortgages
Explore home-equity solutions designed for eligible older homeowners.
Strategic equity financing.
Built around your goals.
Nathan brings specialized expertise in residential mortgages, equity-release products, and account management at OptionOne Financial. Known for rapid response times and structured problem-solving, Nathan works closely with both homeowners and seasoned investors to find the optimal balance between rate, monthly payment, and cash liquidity.
Whether working with W-2 wage earners, self-employed professionals needing bank statement underwriting, or multi-property real estate investors, Nathan crafts financing packages that match client realities. His proactive communication and deep program knowledge ensure smooth, predictable transactions.
LET'S CONNECT →““We had an amazing experience purchasing our home with OptionOne.com.” — JOYCE★★★★★
A Simple Process, From Start to Finish
Apply
Start your secure online application.
Review
We'll discuss your goals and available options.
Loan Review
Your loan request moves through review and underwriting.
Close
Move forward with confidence once approved.
Ready to explore your options?
Isahi Peña · Loan Officer · NMLS #2049362
714-384-7186 | Isahi@OptionOne.com
2102 Business Center Drive, Irvine, CA 92612