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?
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 now at or below 3%, but we will probably not remain at these historically low levels for long.
According to these four thought leaders in the mortgage industry, rates are predicted to stay low through the 1st quarter of 2021, but are projected to start rising later in the year.
If you’re planning to wait until next year or later, Mike Fratantoni, Chief Economist at the Mortgage Bankers Association (MBA), forecasts mortgage rates will begin to steadily rise.
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 $4,000,000
Purchases
Same Day Approvals!
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!
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 up to $4,000,000 for a primary residences and second homes, $3,000,000 for investment properties.
- Programs available with as little as 10% down.
- Competitive rates.
- Some programs require only one appraisal.
- DTI ratios up to 50%.
- 5/1 ARM, 5/1 ARM with 10 year interest only period, 7/1 ARM, 7/1 ARM with 10 year interest only period
- 15 year fixed, 30 year fixed
- Bank Statement only programs
- Asset Depletion income programs
- Investor Mixed Use programs
- Escrow waiver eligible on many loans up to 95% 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!
Choice One Mortgage Blog
4 Reasons Households in Forbearance Won’t Lose Their Homes to Foreclosure
April 14, 2021There’s No Reason To Panic Over Today’s Lending Standards
April 12, 2021How a Change in Mortgage Rate Impacts Your Homebuying Budget
April 5, 2021Should We Fear the Surge in Cash-Out Refinances?
March 24, 2021What Credit Score Do You Need for a Mortgage?
March 23, 2021What Is the #1 Financial Benefit of Homeownership? Wealth Creation.
March 18, 20216 Simple Graphs Proving This Real Estate Boom Is Nothing Like Last Time
March 10, 2021How Upset Should You Be about 3% Mortgage Rates?
March 8, 2021The Reason Mortgage Rates Are Projected to Increase and What It Means for You
February 23, 2021Will Mortgage Rates Remain Low in 2021 – Part 2
February 19, 20213 Ways Home Equity Can Have a Major Impact on Your Life
February 17, 2021Millennials: Is It Time to Buy a Bigger Home?
February 16, 202147% of New Buyers Surprised by How Affordable Homes Are Today
February 11, 20213 Reasons We’re Definitely Not in a Housing Bubble in 2021
February 9, 20216 Facts About VA Loans That You May Not Know
February 8, 2021Learn More
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