Choice One Mortgage –
Helping California Homeowners like you for over 25 Years!

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

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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?

• 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

• not sure what type of loan is right for me

• need to pay off some debt

• don't want to pay high closing costs

• just need some free advice

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
not sure what type of loan is right for me
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

What are people saying about Choice One Mortgage?

“Working with Choice One Mortgage was a blessing! They were the best company my wife and I have ever worked with. We have done many home loans and refi’s in the past, but they provided a far superior process – from beginning to end was approximately two and a half weeks!

There was not a single day that we did not receive an update from Bill Lewis and some days several updates to keep us well informed as to what was going on. Before he sent me our pre-approval letter, Bill spoke with us about what it meant and what could change for each step of the process. He was available at any hour via phone, email and/or texts. Bill is extremely responsive and knowledgeable.

The people we dealt with at Choice One Mortgage have high integrity and they are very straightforward. My wife and I will never do another home loan without using Choice One! ”

Dr. B., La Quinta, CA
“I’ve known Bill Lewis for around 11 years, and have worked with him several times. I’ve really appreciated that he goes to great lengths to describe the process and to detail my options each time we’ve looked into getting a loan or refinancing an existing loan.

One of the aspects of working with him that I’ve appreciated the most is that he’s been upfront with me when I am better off NOT refinancing or in making a move that would not necessarily result in more commission for him. I’ve really felt that he’s been looking out for me – that’s why I have come back to him repeatedly and why I have happily recommended him to friends who are trying to get home loans as well.”

John M., Los Angeles, CA
“Bill Lewis did a fantastic job helping us with our first home purchase. He quickly gave us our options, got us pre-approved and created a package for our Realtor to submit with our offer. We were chosen ahead of the other 8 offers that were submitted largely because of the great job Bill did in packaging our loan to the Listing Agent. We got the house and a low rate on a 30 year fixed as well. We totally recommend Choice One Mortgage!”

Brian and Tina, Los Angeles, CA
“They find the best rates and have low costs, but still provide outstanding personal service and are always available and helpful. My first call for home finance will always be Choice One!”

Tara G., Thousand Oaks, CA

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.

Will Mortgage Rates Remain Low in 2021?

December 1, 2020

Record Low Mortgage Rates are Making Homes More Affordable

September 3, 2020

Mortgage Rates & Payments by Decade

September 1, 2020

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 $4,000,000

Purchases

Same Day Approvals!

Go In Strong!

Package with your offer with a solid approval.

Learn More!

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!

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 up to $4,000,000 for a primary residences and second homes, $3,000,000 for investment properties.
- Programs available with as little as 10% down.
- Competitive rates.
- Some programs require only one appraisal.
- DTI ratios up to 50%.
- 5/1 ARM, 5/1 ARM with 10 year interest only period, 7/1 ARM, 7/1 ARM with 10 year interest only period
- 15 year fixed, 30 year fixed
- Bank Statement only programs
- Asset Depletion income programs

Investor Mixed Use programs

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!

Choice One Mortgage Blog