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California Coastline

What Our Clients Are Saying

The relationships we build with our clients are the foundation of our business. We're grateful for the trust homeowners, our realtor partners, and buyers place in our team every day.

FIVE STAR CLIENT REVIEWS

500+ 
Combined Families Helped

70+ Years
Combined Experience

5-Star
Client Reviews

100%
Referral Based

Hermes, Anaheim

"I've been trying to get a house for the past 2 years now but never found a lender that was actually there to help me. Josh was referred to me and it was the best experience, walked me through every step and worked so hard to get me my loan.
 
From the very beginning he was very transparent about everything and made me feel comfortable from beginning to end.
 
I am definitely going to recommend him and Onda Lending to all my friends and family."

Brooke, Los Angeles

"Working with Joshua Ritz and Rachel Fransen at Onda Lending was hands down one of the best parts of our home buying experience. Our purchase came with a few unexpected complications, including the challenge of finding an available appraiser on a very tight timeline when it seemed like none were available anywhere. Joshua and Rachel went above and beyond to keep everything moving forward and ultimately helped make what could have been a very stressful situation feel manageable.

Throughout the entire process, they were incredibly responsive, knowledgeable, and genuinely happy to help with every question we had. Whether it was something major or a small detail that needed clarification, they always took the time to explain things clearly, making us feel informed, confident, and supported every step of the way.

Beyond their expertise, they were simply wonderful people to work with. Rachel and Joshua both brought such a positive energy to the process and made even the most stressful moments feel lighter. Their professionalism and problem solving skills gave us complete confidence that we were in good hands.

Buying a home can be overwhelming, but they kept us sane, reassured, and moving forward from start to finish. We truly don't know what we would have done without them. We would recommend Joshua, Rachel, and anyone on the Onda Lending team to anyone looking for a mortgage broker who is knowledgeable, dedicated, responsive, and genuinely cares about their clients."

Matthew, San Diego

"Josh and his team are my go-to mortgage brokers because I know he will be accessible for my clients, dedicated to getting them the best product, and committed to ensuring a smooth transaction.
I always call him for my most unique and challenging situations and he has always come through whether it's deferred HOA repairs, fire risks, atypical borrower finances, or rapid turnaround times.
 
He is the gold standard."

WHY CLIENTS REFER ONDA
It's More Than A Loan

Onda Lending Team

A BUSINESS BUILT ON RELATIONSHIPS

The majority of our business comes from repeat clients, referrals, and our trusted realtor partnerships.

We believe exceptional service is the best marketing strategy

Onda Lending Inc

NMLS # 2697457 | DRE # 02260261 

 

2235 Encinitas Blvd, Suite 206

Encinitas, CA 92024

949-636-0107 (JOSH RYTZ, BROKER)

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© 2026 by Onda Lending Inc

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