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 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?
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
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!
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 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!
Choice One Mortgage Blog
5 Simple Graphs Proving This Is NOT Like the 2008 Housing Crash
March 29, 2020Are We About to See a New Wave of Foreclosures?
March 26, 2020Economic Slowdown: What the Experts Are Saying
March 25, 2020Why the Stock Market Correction Probably Won’t Impact Home Values
March 25, 2020Impact of the Coronavirus on the U.S. Housing and Mortgage Markets
March 13, 2020Real Estate Is Soaring, But Not Like 2008
March 4, 2020How Interest Rates Can Impact Your Monthly Housing Payments
March 3, 2020The #1 Misconception in the Homebuying Process
February 25, 2020Strength of the Economy Is Surprising the Experts
February 19, 2020The Overlooked Financial Advantages of Homeownership
February 19, 2020Three Reasons Why Pre-Approval Is the First Step in the 2020 Homebuying Journey
February 13, 2020Why 2019 Was a Great Year for Homeownership
January 9, 2020Homes Are More Affordable Today, Not Less Affordable
January 7, 2020Where is the Housing Market Headed in 2020?
January 2, 2020Expert Advice: 3 Benefits to Owning a Home
November 20, 2019Learn More
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