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 Mortgage Questions Buyers Are Afraid to Ask
June 3, 2026
Buying a home can make even confident people feel unsure. There are new terms, large numbers, legal documents, deadlines, and decisions that seem to carry long-term consequences. Many buyers have questions, but they hesitate to ask because they do not want to sound inexperienced. The truth is that mortgage questions are not embarrassing. They are necessary.
Read More
What Your Bank Statements Quietly Say About You
June 2, 2026
When you apply for a mortgage, your bank statements are more than a record of deposits and withdrawals. They tell a story about how money moves through your life. Lenders review them to verify funds, identify large deposits, confirm reserves, and understand whether the money used for closing is properly documented. But for buyers, bank statements can also be a useful mirror.
Read More
What’s Ahead For Mortgage Rates This Week – June 1st, 2026
June 1, 2026
The PCE Index inflation data has been released on schedule, and it paints a rather grim outlook for the future. Inflation has reached a three-year high, and given that it is the Federal Reserve's preferred measure of inflation, it does not bode well for any impending rate cuts and may even raise the possibility of future rate increases. This is somewhat offset by consumer spending having exceeded expectations, but this appears to be entirely related to high fuel prices, whether consumers want to spend that much or not.
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