About Us

Overview
Option One Mortgage was founded in 1992 with the goal of championing home ownership for Middle America by offering credit to millions of Americans who were not being served by traditional banks. We were one of the first companies to specialize in non-prime lending and servicing.

Since we were founded, we’ve funded over $91 billion in residential mortgages and have helped 688,000 Americans achieve their dream of homeownership. Along the way, we’ve developed a reputation as a leading servicer of loans and the lender of choice to some of our nation’s largest financial institutions and mortgage brokers.

We’ve received top ratings for our servicing operations from Fitch Ratings, Standard & Poor’s and Moody’s. We service our own loans as well as those of other national lenders through our offices in Jacksonville, Florida, and Irvine, California.

H&R Block
Option One is a subsidiary of H&R Block (NYSE: HRB). H&R Block Mortgage Corporation (HRBMC) is a retail mortgage lender that operates through H&R Block Financial Centers. HRBMC is a subsidiary of Option One Mortgage.

Geographic Reach
Option One reaches homebuyers nationally through its wholesale, national accounts, correspondent and H&R Block Mortgage Corp. offices. The company’s corporate office is in Irvine, California. See map of locations.