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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$300,000
$400,000
$500,000
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$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!
- 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
Will Mortgage Rates Remain Low in 2021?
December 1, 2020Key Terms to Know in the Homebuying Process
December 1, 2020A Homeowner’s Net Worth Is 40x Greater Than a Renter’s
October 7, 2020Where Are Home Values Headed Over the Next 12 Months?
October 1, 2020Homes Across the Country Are Selling Fast
September 23, 2020How Low Inventory May Impact the Housing Market This Fall
September 23, 2020The Surging Real Estate Market Continues to Climb
September 16, 2020Record Low Mortgage Rates are Making Homes More Affordable
September 3, 2020Mortgage Rates & Payments by Decade
September 1, 2020Why Is It so Important to Be Pre-Approved in the Homebuying Process?
September 1, 2020Mortgage Rates Hit Record Lows for Three Consecutive Weeks
July 31, 2020We Are Seeing A Remarkable 2020 Housing Recovery
July 31, 2020Real Estate Will Lead the Economic Recovery
June 10, 2020The Shocking News in the Unemployment Report
June 10, 2020Is a Recession Here? Yes. Does that Mean a Housing Crash? No.
June 8, 2020Learn More
Mortgage Calculators
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