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!Purchasing
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!
Trying to Buy 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. Learn More About Recasting Your Mortgage.
Guides:
Flyers:
Videos:
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 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
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!What’s Hot in Refinances?
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Where are Interest Rates Heading?
According to these four thought leaders in the mortgage industry, rates are predicted to stay low though the 3rd quarter of 2020.
What Will My Payments Look Like?
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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!
Good Stuff in our Mortgage Blog
Expert Advice: 3 Benefits to Owning a Home
November 20, 20192 Myths Holding Back Home Buyers
November 18, 2019This is Not 2008 All Over Again: The Mortgage Lending Factor
November 14, 20192019 Q3 – Homeownership Rate Remains on the Rise
November 12, 2019Forget the Price of the Home. The Cost is What Matters.
November 7, 2019Millennials: Here’s Why the Process is Well Worth It.
November 6, 2019The #1 Reason to List Your House in the Winter
November 4, 2019Taking the Fear Out of the Mortgage Process
October 31, 2019How to Determine If You Can Afford to Buy a Home
October 30, 2019Think Home Prices Have Skyrocketed? Look at Rents.
October 24, 20195 Tips for Starting Your Home Search – Start by Getting Preapproved for Your Mortgage!
October 23, 201962% of Buyers Are Wrong About Down Payment Needs
October 18, 2019What FICO® Score Do You Need to Qualify for a Mortgage?
October 17, 2019Homeownership is the Top Contributor to Your Net Worth
October 16, 2019Things to Avoid After Applying for a Mortgage
October 7, 2019Learn More
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