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

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ROB MANCEBO
Mortgage Advisor
Five Star Results from a Trusted Mortgage Professional
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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.
Marie E.
Laguna Hills
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.
Paul K.
Beverly Hills
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.
John M.
Competitive rates, but more importantly GOOD PEOPLE! I will never go anywhere else for a loan. Highly recommended.
Jason W.
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!
Gary G.
Elk Grove
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.
David E.

The Latest News

Buying a Home As a Single Income Household
April 7, 2026
Qualifying for a mortgage on a single income requires careful planning, but it can also create strong financial discipline. Without dual income support, payment comfort and reserve strength become even more important. Borrowers in this position benefit from conservative structuring and long-term planning.
Read More
What’s Ahead For Mortgage Rates This Week – April 6th, 2026
April 6, 2026
With the continued delay in the CPI and PCE inflation data, this week's headlines will focus on unemployment figures. Job reports show an increase of 178,000 workers, though this growth is unlikely to persist given the current state of the economy. Unemployment data has also shown a positive release, reflecting a slight decrease from the previous report.
Read More
Qualifying for a Mortgage After a Career Change
April 3, 2026
Changing careers can be an exciting step forward, but it often raises questions about mortgage eligibility. Many borrowers assume that a recent job change automatically disqualifies them from financing. In reality, lenders evaluate the context, consistency, and structure of income rather than the change itself. Understanding how underwriting views career transitions allows borrowers to prepare strategically.
Read More

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Rob Mancebo

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