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

The Real Cost of Private Mortgage Insurance and How to Remove It
February 27, 2026
Private mortgage insurance allows borrowers to purchase a home with less than twenty percent down. While it increases accessibility, it also increases monthly housing costs. Many borrowers accept mortgage insurance without fully understanding how it affects total loan expense or how it can eventually be removed. Clarity around cost and timeline creates stronger financial positioning.
Read More
Designing a Home That Reduces Financial Stress
February 26, 2026
Financial stress does not come only from high payments. It often comes from poor planning, unrealistic expectations, and lack of reserves. A well-chosen home should strengthen financial stability, not weaken it. Designing your approach before you purchase can make ownership feel secure instead of overwhelming. Mortgage decisions should prioritize sustainability over maximum borrowing power.
Read More
How Adjustable-Rate Mortgages Work and When They Make Sense
February 25, 2026
Adjustable-rate mortgages often create hesitation because borrowers focus on the word adjustable. However, these loans can serve a strategic purpose when aligned with specific financial timelines. An adjustable-rate mortgage typically offers a fixed introductory period followed by periodic rate adjustments based on market indexes. Understanding how these loans are structured helps borrowers determine whether the flexibility outweighs potential variability.
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