Trusted Southern California Mortgage Lender for Over 30 Years
Your trusted mortgage lender since 1995. Buy a home, refinance, or explore reverse mortgage options, with personal service from start to finish.
- 30+ years of experience
- Same-day approvals available
- Purchase, refinance, and reverse
How Can We Help You?
Whether you’re buying your first home, refinancing, or planning for retirement, we have the right loan program for you.
Purchase a Home
From first-time buyers to jumbo loans up to $3 million, we’ll help you find the right loan, get pre-approved fast, and close on time.
- Conventional, FHA, and VA loans
- As little as 0% down for veterans
- Options for self-employed buyers
Refinance Your Mortgage
Lower your rate, shorten your term, or tap into your equity. Fixed-rate refinancing up to $3 million with no-point options.
- Rate-and-term and cash-out refinancing
- FHA Streamline and VA IRRRL
- No-cost refinance options
Reverse Mortgages
Homeowners 55+ (62+ for FHA HECM) can turn home equity into cash with no monthly mortgage payment, and stay in the home they love.
- FHA-insured HECM loans
- HomeSafe options starting at age 55
- Lump sum, monthly payments, or a line of credit
Explore Loan Products
Conventional, FHA, VA, jumbo, bank statement, DSCR, and more. We’ll help you compare them and choose the loan that fits your income and goals.
- Programs for W-2, self-employed, and retired borrowers
- Investor loans for rentals and flips
- Home equity and reverse mortgage options
Why Choose Choice One Mortgage?
We are not tied to any single bank. We have access to programs and rates from many lenders, including Rocket Pro TPO and PennyMac, allowing us to find you the best programs and pricing.
Whether you’re a first-time homebuyer, self-employed, recently changed jobs, dealing with credit challenges, or retired — we have solutions tailored to your situation.
Same-Day Approvals
Get pre-approved quickly so you can start shopping with confidence.
Access to Multiple Lenders
We shop dozens of lenders to find you the best rate and program.
Personalized Service
Work directly with Bill Lewis, a licensed mortgage professional with 30+ years of experience.
Creative Financing Solutions
Bank statement loans, DSCR investment loans, 40-year terms, and more for unique situations.
Communities We Serve
Helping homebuyers and homeowners in the Coachella Valley, Ventura County, and the South Bay, backed by more than 30 years in Southern California.
Coachella Valley
Our La Quinta office has served the desert communities since 2017.
Ventura County
Serving the Conejo Valley and greater Ventura County since 1995.
South Bay
From Manhattan Beach to Palos Verdes, serving the South Bay since 1995.
Apply Online
Get pre-approved before you start shopping so you can make offers with confidence. Already found a home? Take the next step toward the right mortgage.
Secure online application. It only takes a few minutes.We Got You
Want advice from someone who has done this for more than 30 years? Talk with an experienced loan officer and get your questions answered, with no pressure.
Or call (310) 614-5920