Choice One Mortgage –
Helping Homeowners for over 25 Years!

Loan Partner of Quicken Loans Mortgage Services
Loan Partner Quicken Loans Mortgage Services

Choice One Mortgage –
Helping California Homeowners Like You Since 1995!

Purchasing?
Refinancing?
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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 deal."

– Bill Lewis, Choice One Mortgage


Do you fit into any of these categories?


  • first-time homebuyer
  • retired
  • self-employed
  • recently changed jobs
  • have minor credit issues
  • need a loan in a hurry
  • just want to work with someone honest
  • have had a bankruptcy
  • not sure what type of loan is right for me
  • need to pay off some debt
  • don’t want to pay high closing costs
  • just need some free advice

If so, you have found the right place.


Learn More About Us

"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, CA Homeowner


What are people saying about Choice One Mortgage?

Do you want to fill out an online application? Our guess is probably not.

Most mortgage websites take you through a series of questions, collect your answers and then have you fill out a contact form. It’s a great way of collecting emails for marketing, but they still need to talk to you!

There are no short cuts in this business. We all need to “look under the hood” a little.

Call us, it’s a lot easier 🙂


Free Loan Analysis

Call Now to Learn About Your Options

Call Us Today!

We will review your information and provide options, scenarios, pricing and more.

Call Now!

Where are Interest Rates Heading?


To put this in perspective, we used to think mortgage rates below 6% were incredible. We are once again in the 3’s!




According to these four thought leaders in the mortgage industry, rates are predicted to stay low though the 1st quarter of 2021.



What Will My Payments Look Like?

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Purchase Loans

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 $3,000,000

Purchases

Same Day Approvals!

Go In Strong!

Package with your offer with a solid approval.

Learn More!

FHA vs Conventional – What’s Best For Me?


Lower Down Payment, No PMI, SAVE BIG!


Refinancing

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
  • Choose your own term and repay your loan in 8 to 30 years!
  • Save money and payoff your home faster with our bi-weekly payment option (26 payments / year). See flyer below.
  • Cash-out refinances and Debt Consolidation loans

Refinancing

Lower Your Rate or Get Cash Out for Any Reason!

Low Rates, No Points!

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

Learn More!

Award Winning Mortgage Loan Servicing

At Choice One Mortgage, we are proud of the reputation we have built over the last 24 years in business. Sure, our clients love the job we do on their loans. But, we have also aligned ourselves with great partners that provide exceptional service – long after your loan has funded!  Through our partnership with Quicken Loans®, you will benefit from:


  • Award Winning Loan Servicing that has been ranked #1 by JD Power for 5 years in a row in each of these categories:
    • Customer interaction and communication
    • Lowest servicing fees
    • Ease of billing and payment
    • Escrow account options for taxes and insurance
    • New customer on-boarding and orientation
  • Most common loan services are FREE!
    • Bi-weekly payment option – $0  (competitors often charge up to $104 / year for this service).
    • Check by phone – $0
    • Copy fees- $0
    • Expedited Document Delivery- $0
    • Expedited Payoff Statement- $0
    • Loan History- $0
    • Payoff Wire Fee- $0
  • U.S.-based Customer Service
    • Experience best-in-class customer service, with a team ranked highest in customer satisfaction.
    • When you call Customer Service for any reason, your call will be handled by a friendly rep right here in the good old USA!
  • You will also have access to an online loan servicing platform that is second to none – even from your Mobile Device!

More Cool Things That Set Us Apart

  • Create Your Own “Yourgage” – refinance into today’s low rates without having to start your mortgage term over. You pick your term from 8 to 30 years.

  • Recast Your Mortgage – We offer the ability to recast your loan – without having to refinance! And, you can do it as many times as like over the life of the loan.
  • PMI Advantage program – eliminates PMI altogether and lowers your monthly payment.
  • Exceptional Jumbo programs!
    • Loan amounts from $484,351 up to $3,000,000 for a primary residence (up to $2,000,000 for a 2nd home).
    • As little as 10% down
    • No Mortgage Insurance!
    • Fixed and Adjustable Rate Programs with very competitive rates.
    • Cash-out Refi’s with up to $750,000 in your hand.
    • Credit Scores as low as 700
    • Only one appraisal required for loan amounts up to $1,500,000
    • 1-2 unit properties
    • Up to 8 financed properties allowed!
  • New Construction Condo Program – 1) We only need 25% pre-sale requirement (most lenders need over 50% of units to be complete and sold). 2) We only need the building your unit is in to be complete – not the entire complex.  3) No pricing hit for non-warrantable condos!
  • Escrow waiver eligible on many loans up to 90% LTV.  Most lenders require you to impound your taxes and insurance for LTVs > 80%.  So if you like paying your own taxes and insurance, we may be able to accommodate you in unique ways!
  • We also have access to the lowest PMI rates in the industry.  So for loans where Private Mortgage Insurance is required, we can pass this savings on to you!

Mortgage Calculators


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Facebook Feed

Choice One Mortgage
Choice One Mortgage
If you’re concerned we’re making the same mistakes that led to the 2008 housing crash, take a look at some charts and graphs to help alleviate your fears. #RealEstate #Mortgage #HomeBuyers
Choice One Mortgage
Choice One Mortgage
There are actually many reasons we won’t see a surge in the number of foreclosures like we did during the housing crash over ten years ago.
Choice One Mortgage
Choice One Mortgage
No one knows for sure. It depends on how long it takes to beat this virus. Goldman Sachs anticipates we will see a difficult first half of the year, but the economy will recover in the second half of 2020.

With offices in Westlake Village and La Quinta, we serve clients all over Southern California.

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With offices in Westlake Village and La Quinta, we serve clients all over Southern California.

(800) 224-9999
Send Us an Email!

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Your Email (required)

Your Phone

Street Address

Subject

Your Message