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

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

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

Purchasing?
Refinancing?
In Business
0
Since

Happy
0+
Clients

Points
1000
You Pay

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

Mortgage News Daily

June 21, 2019 – Market Summary

Rates Plunge Deeper Into Long-Term Lows, But They’re at Risk of Bouncing

Mortgage rates have had an impressive run–the best since 2011, in fact, when it comes to total peak to trough movement. That winning streak might not even be over, but every time rates bounce recently–even if only slightly–it’s cause for concern. For one of a few potential reasons, these big moves in rates only last so long. This one is big enough and long enough that it makes sense to keep an eye out for the big shift.

In fact, if you’re in the process of buying or refinancing (or if you work in the mortgage/housing market) it makes sense to keep an eye out for temporary shifts! That’s the area of greatest concern currently.

Following this week’s Fed meeting, rates extended their fall to the lowest levels since November 2016. But since then, the underlying bond market has bounced in such a way that suggests rates aren’t interested in further gains just yet. It’s too soon to know if today was just a pause in the action for rates (they were only slightly higher today and still very low in the bigger picture) or if it was an ominous sign preceding a bigger jump.

Either way, the risk of volatility is increasing rapidly due to several events on the horizon in the next 2 weeks (G20 summit next week and important economic data in the first week of July).

Get Updates from Bill Lewis at MortgageNewsDaily.com

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
  • tired of my loan being moved to a new company
  • 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
  • As a Licensed Financial Planner, I have a fiduciary responsibility to my clients. That is why I trust Bill Lewis and Choice One Mortgage to offer the best advice and service when they need help with their home financing. I know that when they go to Bill, he will take care of them the same way I treat them – with total honesty and transparency. As I like to say, “Bill Lewis is as honest as the day is long!”Richard, Licensed Financial Planner
  • I have referred many clients to Choice One Mortgage over the years because I know they will receive honest advice and great service. What more could I want for my clients! Bill Lewis is a real pro.John, CA Realtor
  • When I was refinancing my home, Choice One got me the lowest rate I could find and I didn’t have to pay any points. AND, they even paid for some of the other closing costs! Now that’s what I call great service.
    Nancy, Happy Homeowner

Learn What people are saying about Choice One Mortgage

As a Licensed Financial Planner, I have a fiduciary responsibility to my clients. That is why I trust Bill Lewis and Choice One Mortgage to offer the best advice and service when they need help with their home financing. I know that when they go to Bill, he will take care of them the same way I treat them – with total honesty and transparency. As I like to say, “Bill Lewis is as honest as the day is long!”Richard, Licensed Financial Planner

I have referred many clients to Choice One Mortgage over the years because I know they will receive honest advice and great service. What more could I want for my clients! Bill Lewis is a real pro.John, CA Realtor

When I was refinancing my home, Choice One got me the lowest rate I could find and I didn’t have to pay any points. AND, they even paid for some of the other closing costs! Now that’s what I call great service.
Nancy, Happy Homeowner


Learn What people are 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 Us today for a
FREE LOAN ANALYSIS
* Tap to Learn More

Call Us Today!

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

Call Now!

Purchases

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
  • Most loans are serviced in-house for the life of the loan

Found a New Home Before Selling Your Current One? No Problem! We have a recasting program that allows you to put just 5% down on the new home. When your old home sells, you can use the proceeds to pay down the new home balance. We will recalculate your new loan at the lower balance using the same interest rate and time remaining on the loan. Click on this link to read about recasting your mortgage in our blog.


Purchase Loans

Buying a New Home? Get Pre-Approved Today.
* Tap to Learn More

Same Day Approvals!

We work fast and will have a loan approval ready to package with your offer!

Learn More!

What’s Hot in Purchase Loans?

Refinances

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 Points
  • 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
  • Most loans are serviced in-house for the life of the loan

Refinancing

Lower Your Rate or Get Cash Out for Any Reason!
* Tap to Learn More

Low Rates, No Points!

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

Learn More!

What’s Hot in Refinances?

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 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!
 

Mortgage Calculators


$
  %
  yrs
  %
$
Monthly Gross Income $
Monthly Debt Expenses [?] $
Down Payment: $
Interest Rate: %
Loan Information
Loan Amount $
View/Edit Closing Cost Details

Facebook Feed

Choice One Mortgage
Choice One Mortgage
In honor of all of our fallen heroes and the families of our great service men and women. RESPECT and THANKS from all of us at #ChoiceOneMortgage.
Choice One Mortgage
Choice One Mortgage
Explainer video about what we do at Choice One Mortgage!
Choice One Mortgage
Intro - Choice One Mortgage Company
Explainer video about what we do at Choice One Mortgage!
youtube.com
Choice One Mortgage
Choice One Mortgage
CLOSING REPORT: Escrow opened 4/19/19, loan funded 5/9/19 - that's 21 days! And, we beat another lender's rate by a mile. Another happy homeowner 🙂

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

(800) 224-9999
Or Send Us an Email!

Your Name (required)

Your Email (required)

Your Phone

Street Address

Subject

Your Message

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

(800) 224-9999
Send Us an Email!

Your Name (required)

Your Email (required)

Your Phone

Street Address

Subject

Your Message

Share this