NMLS LICENSE #640300BRE #01119095Monday–Friday, 8am-6pm PST

Where InnovationMeets Experience

One Easy Fee Home Loans, where innovation meets experience. John is revolutionizing how mortgages are originated, processed and funded.

Our promise to you

One Fee Guarantee

Your total cost includes all lender and third party fees (Refinance only).
On new purchases, we guarantee all your lender fees.

We are a Direct Lender and not a lead site.

Closing Costs
Fast Loan
Rates & Fees
No Cost Loan or
1 Closing Fee Option
No Personal
Info Required

One Easy Fee, Making a Difference

John has proven to be honest, knowledgeable, timely and consistent. I am currently looking for a lender to buy a new house in Nevada and was disappointed that John was not certificated to work in Nevada. I would highly recommend John with any lending needs. Thanks John

Tracey T.

I have been a client of John’s for nearly 20 years. I have yet to meet a more honest, competent or professional individual in this business. I have always received excellent and timely guidance resulting in the best possible investment decisions. I consider myself exceedingly fortunate to have made his acquaintance and look forward to his continued guidance and service in years to come.

Mark G.

John did a great job, helping us navigate the complicated loan process. Would use again!

Reuben G.

We have worked with John over many years and different properties. He has always been extremely helpful, professional, and provided guidance on issues when needed. Highly recommended!

Brad C.

We have closed about six loans with John G. He is knowledgeable and efficient. We wouldn’t think of calling anyone else.

Carole M.

John is an expert at helping with “all things financial.” I’ve had the benefit of working with John for several mortgages and refinances over the years and have been impressed with his knowledge and professionalism every time. And, he’s a great person!

Murray J.

I have used John and his team for nearly 30 years, 1st & 2nd homes not to mention several re-fi’s. And sometimes things simply don’t go as planned, but that’s to be expected? Though, for each hangup, John has always been there to explain the options and how best to get things done!! In the end, what’s in my best interest and long term financial goals have always been met!!

Oscar S.

John has assisted me with loan refinancing for many years now. It is always a seamless and efficient process. John is very professional and customer service oriented. I refer everyone that asks me about obtaining a mortgage loan to John. The best quality about John is his honesty. He can be trusted to carry your loan application/process from beginning to end, while keeping you informed during the process. Honesty and trust are two attributes that are very hard to find this day and age.

Jeff M.

I have used John to purchase my home and to refinance a few times. He is very diligent, professional, knowledgeable and up to date on the lending rules. Working with him makes the loan process easy and seamless. He is there to help you at every step, and he answers all of your questions no matter how trivial they are. It is great to have John on your side to watch out for you. I highly recommend John for all your financing needs.

Tom D.

I have known and worked with John for over 15 years as both as an attorney, realtor and borrower. I cannot say enough about the exceptionally courteous and professional degree that he handles all matters. He is always willing to go the extra mile to accomplish whatever tasks he sets out to accomplish. He always goes to bat to assist his clients meet their goals. I highly recommend him for any financial needs anyone may have.

Craig E.

John is a true professional. It’s nice to see a person who truly puts the customer first, and goes the extra mile on something as stressful as purchasing a new home. Great job John and team!

Chris J.

Amazing! From Contract date to closing 15 days, John is the best Lender. I can’t say enough how thankful I am for John Galkowski and his expertise and efficiency. I had only 15 days to close my loan from the purchase contract acceptance to the close of escrow date and this guy pulled it off. I have used John for previous loans in the past and he has always been amazing to work with. I can’t say enough how great this guy is at his job. It’s nice to have someone who you can trust and who always comes through for you. He’s the best!

Kristy M.

John and his team made the process of my loan simple and seamless. Love these guys!

Debby D.

We were amazed by how quickly we pre-qualified and were approved for the loan. When faced with a short closing schedule, John’ Galkowski’s calm reassuring manner helped us through the arduous process. John was always available by phone, evenings, too. If you are looking to buy a condo or house, we highly recommend using John Galkowski . His expertise and knowledge of mortgages, rates and the right loan is superior.

Darlene B.

John did a great job for me and his ability to make it feel easy was amazing.

Duncan N.

One of the best things that I did when I was in the market to purchase a new home was to immediately connect with John Galkowski of Cornerstone Mortgage and the John Galkowski Lending Team! From the start, John guided me through the whole process and made sure I had everything in order so we were ready to go when the time came. Once I found a property, things went super smooth and we closed in a timely manner since all the loan paperwork was in order. I found the entire process to be easy and efficient because of John’s knowledge and experience. So glad John was in my corner!

Javier P.


One Easy Fee is committed to providing its customers with the lowest mortgage rates and the lowest closing fee, combining all applicable closing & lender costs into ONE low, guaranteed fee. Or choose our NO cost loan option.