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OC CAPITAL HOMES, Inc was founded in 2004 with over 15 years of experience in the mortgage industry. We have seen the drastic cycles of the economy, especially in California. Our work ethics and core beliefs have always revolved around conservative principles. They have stayed away from all the risky products (such as 80/20, Option Arms, Interest Only and Pick a Payment products) that have led to the downfall of many established companies in the last few years.


All main operations such as processing, funding, and quality control are centralized at the company’s main headquarter inWestminster, Ca. Even in growth, HL Funding will not lose focus of on our core foundation of customer service and conservative nature. While many mortgage companies did not weather the current economic crisis, our company has instead seen a very steady growth. Our main products include: conventional conforming, conventional conforming high balance, Jumbo, FHA and FHA high balance products.


OC CAPITAL HOMES, Inc strives to stay ahead of the curve by keeping up with up-to- date training of our staff, a commitment to updating and retooling our technologies and practicing a conservative business principle for a safe and steady growth. Our upper management is in the office on a daily basis to direct the business and to meet the goals of the company, we pride ourselves on customer service.

Our Mission

Our goal is to offer you the best refinancing rates and lowest mortgage payments as possible. OC CAPITAL HOMES, Inc Mortgage Rates and wide selection of loan options are sure to provide the perfect mortgage solution for all of your Real Estate Financing needs.


Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.


Whether you need help for cash out or a debt consolidation loan or have a low credit score, we are your complete mortgage solution for refinancing and purchase transactions.


We know that you have specific needs and we strive to meet those needs with a wide array of refinance and purchase products and most importantly, quality service and individual attention.


All we need is a few minutes to determine how we can save you money and improve your current mortgage rate, monthly payment and financial well-being. Please call us or submit an application and a representative will be happy to help you.


7766 Westminster Blvd Westminster,CA 92683

Phone:  714-290-1755


Fax:  866-380-7420

Email:  HanhLe@cmyrates.com


Monday - Friday 

9:00 am to 6:00 pm


Saturday & Sunday

Appointment Only