Choice One Mortgage
Helping California Homeowners for Over 30 Years

Your trusted Southern California mortgage lender since 1995. Purchase, refinance, or explore reverse mortgage options with personalized service.

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Call (800) 224-9999 or (310) 614-5920

How Can We Help You?

Whether you’re buying your first home or refinancing, we have the right loan program for you.
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Purchase a Home

First-time buyers to jumbo loans up to $4M. Conventional, FHA, and VA options with as little as 0% down.
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Refinance

Lower your rate, shorten your term, or tap into your equity. Fixed-rate refinancing up to $3M with no-point options.
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Reverse Mortgages

Homeowners 55+ can access their equity with no monthly mortgage payments through FHA HECM and HomeSafe programs.
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Non-QM Loans

Self-employed? Bank statement, DSCR, and alternative documentation loans for borrowers who don’t fit the traditional mold.

Why Choose One Mortgage?

We are not tied to any single bank. We have access to programs and rates from many lenders, including Rocket Pro TPO and PennyMac, allowing us to find you the best programs and pricing.

Whether you’re a first-time homebuyer, self-employed, recently changed jobs, dealing with credit challenges, or retired — we have solutions tailored to your situation.

30+
Years in Business
No Point
Rate Options
15 Day
Closings
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Same-Day Approvals

Get pre-approved quickly so you can start shopping with confidence.

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Access to Multiple Lenders

We shop dozens of lenders to find you the best rate and program.

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Personalized Service

Work directly with Bill Lewis, a licensed mortgage professional with 30+ years of experience.

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Creative Financing Solutions

Bank statement loans, DSCR investment loans, 40-year terms, and more for unique situations.

Our Loan Programs

From conventional to creative financing, we offer a full range of mortgage products to meet your needs.

Purchase Loans

  • First-time homebuyer programs
  • Conventional loans with as little as 3% down
  • FHA loans with 3.5% down payment
  • VA loans with no down payment for veterans
  • First Time Homebuyer Programs (CalHFA)
  • Bank statement and 1099 loans for self-employed
  • Same-day approvals available

Refinance Options

  • Low rates with no-point options
  • Cash-out refinancing
  • Debt consolidation programs
  • Fixed-rate loans up to $3,000,000
  • Rate and term refinancing
  • Streamline refinance programs

Non-QM Programs

  • Bank statement loans for self-employed borrowers
  • DSCR cash flow loans for investment properties
  • Second mortgages and HELOCs
  • Graduated payment mortgages
  • 40-year mortgage terms available
  • Alternative income documentation

Reverse Mortgages

  • FHA Home Equity Conversion Mortgage (HECM)
  • Available for homeowners age 62 and older
  • No monthly mortgage payments required
  • HomeSafe Second mortgage option (ages 55+)
  • Access your home equity for retirement
  • Purchase a new home with a reverse mortgage

What Our Clients Say

Real feedback from real homeowners we’ve helped.
★★★★★
“The entire loan process was completed in just 2.5 weeks. Bill was incredibly responsive and always available to answer our questions. His integrity throughout the process gave us complete confidence. We couldn’t have asked for a better experience!”
— Recent Choice One Mortgage Client

Ready to Get Started?

Contact us today for a free, no-obligation loan analysis. We’ll help you find the best mortgage solution for your needs.

Contact Us Today Try Our Mortgage Calculator