Helping California Homeowners
for over 30 years!
Choice One Mortgage -
Helping California Homeowners finance their homes for over 30 Years!
How can we help?
Choice One Mortgage is a Proud Partner of:
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Years In Business
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Rate Options
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Satisfaction Guaranteed
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 programs and pricing."
Bill Lewis, Choice One Mortgage
Do you fit into any of these categories?
If so, you have found the right place.
- First-time Homebuyer
- Self-employed Borrower
- Recently Changed Jobs
- Have credit issues
- Retired borrower
- Need a loan in a hurry
- I just want to work with honest people
- Have had a bankruptcy
- Not sure which type of loan I need
- Need to pay off some debt
- Don't want to pay high closing costs
- Just need some free advice
Purchasing a New Home?
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 - Bank Statement and “1099” loans
Same Day Approvals for Purchase Loans!
Refinancing Your Mortgage?
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).
- Cash-out refinances and Debt Consolidation loans
Lower Your Rate or Get Cash Out for Any Reason!
Low Rates, No Point Options!
We specialize in fixed rate loans up to $3,000,000 with the lowest rates in the business.
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Is a Reverse Mortgage
Right For You?
Choice One Mortgage also specializes in FHA Insured Home Equity Conversion Mortgage (HECM):
- For Homeowners aged 62 and older
- The HECM is the FHA’s reverse mortgage program that enables you to withdraw a portion of your home’s equity to use for home maintenance, repairs, or general living expenses. HECM borrowers may reside in their homes indefinitely as long as property taxes and homeowner’s insurance are kept current.
- You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.
FHA Insured Home Equity Conversion Mortgage (HECM)
Ease Into Retirement!
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to remain in their homes or supplement their income.
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Do You Need
"Unconventional" Financing?
Choice One Mortgage also specializes in many “Non-QM” programs, including :
- Bank Statement Loans for Self-Employed Borrowers – No Tax Returns and Flexible Income Documentation
- DSCR Cash Flow Loans for Investment Properties
- 2nd Mortgages and HELOCs
- Graduated Payment Mortgages, 40-Year Mortgages, Jumbo Mortgages, and More!
We Think Outside the Box!
More Options Means Better Opportunity
We Expand Our Products as the Mortgage Market Evolves.
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Recent Testimonial
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