Contact Us (949) 278-4751  • rob@rightchoicemortgage.org

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ROB MANCEBO
Mortgage Advisor
Five Star Results from a Trusted Mortgage Professional

About Rob

Rob ManceboRob Mancebo, NMLS #377248 • BRE #01279606

I am a Mortgage Loan Consultant with over 26 years of experience helping clients secure smart, competitive financing solutions. Throughout my career, I have built a reputation for precision, persistence, and advocacy—especially for self-employed borrowers who require a deeper level of expertise and strategic structuring.

I was honored to be recognized as Bank of America Loan Officer of the Year, an achievement that reflects my commitment to excellence, transparency, and results. I specialize in delivering the lowest-rate loan options across first and second mortgages, guiding clients through complex financial scenarios with clarity and confidence.

Beyond my professional work, community service has always been central to my values. I have a long history of volunteerism with organizations including the Boys & Girls Club, Big Brothers of Orange County, Meals on Wheels, and ‘Wiseplace’, which provides housing and support for survivors of domestic violence. Giving back is not an obligation to me—it is a responsibility and a privilege.

My goal is simple: to help clients make informed mortgage decisions that support long-term financial stability, while contributing positively to the communities I serve.

 

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What My Clients Say

We started with another mortgage company but we ended working with Rob of Right Choice Mortgage who got us the best rate and into our home in less than 4 weeks. We highly recommend Rob, as he is straightforward and professional. He delivered on everything he promised, which isn’t always the case with every mortgage company. Right Choice really is the best choice as they have integrity and the knowledge to get you the very best deal.
Got a loan much better interest rate than any other bank and lowered down. I will use them again and refer them to everyone I can.
We were turned by our bank because we are self employed. Rob was able to get us approved with a very low, fixed rate mortgage. We HIGHLY recommend using Rob.
Competitive rates, but more importantly GOOD PEOPLE! I will never go anywhere else for a loan. Highly recommended.
I worked with Rob Mancebo with Right Choice Mortgage and found him to be excellent. He returned all my calls and emails quickly and really knew his stuff. It was the smoothest refinance I have ever encountered. I highly recommend Rob!
I just wanted to let you know how pleased we were with the job you and your team did in securing our financing at an excellent rate under challenging circumstances. Your firm was Johnny On The Spot whenever we needed something, and hung in with us on offer after offer in this difficult buyers’ market until we finally had one accepted. Best of all you did exactly what you said you would do, when you said you would do it. We now have a beautiful new home, and we could not have done it without your professionalism and guidance. I would gladly recommend your firm to anybody.

The Latest News

Why Pre-Approval Expiration Dates Matter More Than Buyers Realize
June 16, 2026
Getting pre-approved is one of the most important first steps in the home buying process. Many buyers assume that once they receive a pre-approval letter, they are set until they find a home. In reality, pre-approvals are only valid for a limited period of time, and allowing one to expire can create delays, additional paperwork, and even changes to your borrowing power. Understanding how pre-approval timelines work can help you stay prepared when the right home becomes available.
What’s Ahead For Mortgage Rates This Week – June 15th, 2026
June 15, 2026
With the inflation reports showing their cards, the Consumer Price Index has shown to be in line with expectations, but unexpectedly the Producer Price Index has come in substantially higher than expected.
Why The Cheapest Mortgage Is Not Always The Best Mortgage
June 12, 2026
It is natural to want the lowest possible mortgage cost. Buying a home is a major financial decision, and every dollar matters. But the cheapest mortgage on the surface is not always the best mortgage for your situation. A low rate or low fee means very little if the loan structure, service, or long-term fit does not support your goals.

Ready to Get Started?

Rob Mancebo

29829 Santa Margarita Pkwy. #100, Rancho Santa Margarita, CA 92688
Direct: (949) 278-4751
Email: rob@rightchoicemortgage.org