Choice One Mortgage La Quinta CA
choice one mortgage logo

Helping California Homeowners
for over 30 years!

Choice One Mortgage -
Helping California Homeowners finance their homes for over 30 Years!

How can we help?

Choice One Mortgage is a Proud Partner of:

Years In Business
0 +
Rate Options
20 point
Satisfaction Guaranteed
0 %

People are unique and so are home loan solutions.

Mortgages are not a one size fits all proposition. Let us evaluate your needs, come up with options based upon your credit, income and available funds and figure out the best way to finance your property.

It’s what we do!

"We are not tied to any single bank. We have access to programs and rates from many lenders, allowing us to find you the best programs and pricing."
Bill Lewis, Choice One Mortgage

Do you fit into any of these categories?
If so, you have found the right place.

Purchasing a New Home? Choice One Mortgage Will Help You Get the Lowest Rate!

Choice One Mortgage specializes in helping California homeowners realize their dreams by providing the best Purchase Loan programs available on the market:

  • First-time Homebuyer Programs
  • Conventional Loans with as little as 3% down
  • FHA loans with as little as 3.5% down
  • VA Loans with no down payment
    Jumbo loans up to $4,000,000
  • Bank Statement and “1099” loans

Same Day Approvals for Purchase Loans!

Go In Strong!

Package Your Offer With a Solid Approval.
Learn More

Are You Having Problems Qualifying for a Mortgage? We Have Many Programs That Might Just Fit Your Particular Situation.

Choice One Mortgage also specializes in many “Non-QM” programs, including :

  • Bank Statement Loans for Self-Employed Borrowers – No Tax Returns and Flexible Income Documentation
  • DSCR Cash Flow Loans for Investment Properties
  • 2nd Mortgages and HELOCs
  • Graduated Payment Mortgages, 40-Year Mortgages, Jumbo Mortgages, and More!

We Think Outside the Box!

More Options Means Better Opportunity

We Expand Our Products as the Mortgage Market Evolves.

Is a Reverse Mortgage
Right For You?

Choice One Mortgage also specializes in FHA Insured Home Equity Conversion Mortgage (HECM):
  • For Homeowners aged 62 and older
  • The HECM is the FHA’s reverse mortgage program that enables you to withdraw a portion of your home’s equity to use for home maintenance, repairs, or general living expenses. HECM borrowers may reside in their homes indefinitely as long as property taxes and homeowner’s insurance are kept current.
  • You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

FHA Insured Home Equity Conversion Mortgage (HECM)

Reverse mortgages are increasing in popularity with seniors who have equity in their homes, but are having trouble making their payments.
Learn More

What About a Reverse Second Mortgage?

Are you over the age of 55, already have a low rate on your first mortgage and don’t want to refinance?  Do you need access to your home equity for home improvements, to pay for the grand kids college, or just to make ends meet?

If this sounds like you, we also offer the “HomeSafe Second” mortgage through Finance of America that requires NO MONTHLY PAYMENTS.

Watch this short video to learn more.

Do You Want to Refinance Your Current Mortgage?

Choice One Mortgage specializes in helping California homeowners refinance their mortgage with the best loan programs and features available on the market:

  • Lowest Rates, No Point Options
  • Cash-out refinances and Debt Consolidation loans

Lower Your Rate or Get Cash Out for Any Reason!

Low Rates, No Point Options!

We specialize in fixed rate loans up to $3,000,000 with the lowest rates in the business.
Learn More

Recent Testimonial

Working with Choice One Mortgage was a blessing! They were the best company my wife and I have ever worked with. We have done many home loans and refi’s in the past, but they provided a far superior process - from beginning to end was approximately two and a half weeks! There was not a single day that we did not receive an update from Bill Lewis and some days several updates to keep us well informed as to what was going on. Before he sent me our pre-approval letter, Bill spoke with us about what it meant and what could change for each step of the process. He was available at any hour via phone, email and/or texts. Bill is extremely responsive and knowledgeable. The people we dealt with at Choice One Mortgage have high integrity and they are very straightforward. My wife and I will never do another home loan without using Choice One!
Dr. B.
La Quinta, CA

Interest Rate Trends

Mortgage Rates - This Week vs Last Week

Mortgage Rates - 3-Month Trend Chart

Mortgage Rates - 3-Month Trend Graph