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  • What Are You Trying to Do?
    • Purchase a Home
    • Refinance my Mortgage
    • Learn About Reverse Mortgages
  • Tools
    • Purchase Loan Estimator
    • Refinances Simulator
    • Amortization Calculator
  • Service Areas
    • Desert Communities
      • La Quinta
      • Palm Desert
      • Indian Wells
      • Rancho Mirage
      • Palm Springs
      • Indio
      • Cathedral City
      • Bermuda Dunes
    • Ventura County Communities
      • Thousand Oaks
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      • Calabasas
      • Oak Park
      • Newbury Park
      • Simi Valley
      • Moorpark
      • Camarillo
    • South Bay Communities
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      • Hermosa Beach
      • Redondo Beach
      • Torrance
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  • More
    • About Us
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Read more about the article Choice One Mortgage Fresh Start Program

Choice One Mortgage Fresh Start Program

  • Post category:Home Purchasing

Our Fresh Start Program can help you repair credit issues and raise your credit scores, and effectively prepare for purchasing a new home.

Continue ReadingChoice One Mortgage Fresh Start Program
Read more about the article Recalculate Your Mortgage Payment at a Lower Balance – without Refinancing!

Recalculate Your Mortgage Payment at a Lower Balance – without Refinancing!

  • Post category:Mortgage Strategies

Come into some money? Try recasting your mortgage! We allow you to pay down your balance and we will recast your monthly payment, at current rate and term!

Continue ReadingRecalculate Your Mortgage Payment at a Lower Balance – without Refinancing!
Read more about the article Choice One Mortgage has Partnered with Quicken Loans!

Choice One Mortgage has Partnered with Quicken Loans!

  • Post category:Mortgage News

When you’re looking to buy a home or refinance your existing home, there are times when you want the trusted, personal service right in your neighborhood, and there are other…

Continue ReadingChoice One Mortgage has Partnered with Quicken Loans!
Read more about the article 2019 Riverside County Conforming Loan Limit

2019 Riverside County Conforming Loan Limit

  • Post category:Mortgage Basics/Mortgage News

2019 Riverside County Conforming Loan Limit ________________________________________________ Update - Click here to see the increased 2020 Riverside County Loan Limits ________________________________________________ GREAT NEWS for residents of Riverside County, CA! The…

Continue Reading2019 Riverside County Conforming Loan Limit
Read more about the article Important Facts about Credit Reports and Credit Scores

Important Facts about Credit Reports and Credit Scores

  • Post category:Mortgage Basics

So now that I know my Credit Score, what does it mean? When evaluating a borrower for a mortgage loan, we look at all three credit bureaus (Experian, Transunion and…

Continue ReadingImportant Facts about Credit Reports and Credit Scores
Read more about the article Credit Re-Establishment Periods for Mortgages

Credit Re-Establishment Periods for Mortgages

  • Post category:Mortgage Basics/Mortgage Guidelines

Required Credit Re-Establishment Periods for Mortgages after derogatory credit: Short Sales (Deed in Lieu of Foreclosure) Loan Type Waiting Period Conventional (Fannie Mae, Freddie Mac) 4 years FHA 3 Yrs…

Continue ReadingCredit Re-Establishment Periods for Mortgages
Read more about the article Mortgage Products – What’s Right For Me?

Mortgage Products – What’s Right For Me?

  • Post category:Mortgage Basics/Mortgage Products

With your particular qualifications and all of the different options, it's important to understand the distinction between available mortgage products.

Continue ReadingMortgage Products – What’s Right For Me?
Read more about the article Understanding APR or Annual Percentage Rate

Understanding APR or Annual Percentage Rate

  • Post category:Interest Rates/Mortgage Basics

One of the most important terms you’ll come across when shopping for a mortgage is APR, or annual percentage rate. But what exactly does it mean? Simply put, APR is…

Continue ReadingUnderstanding APR or Annual Percentage Rate
Read more about the article La Quinta Refinance – 5 Tips to Help You Get the Best Mortgage

La Quinta Refinance – 5 Tips to Help You Get the Best Mortgage

  • Post category:Refinancing

This article offers tips on how to get the best mortgage and lowest interest rate on a La Quinta Refinance.

Continue ReadingLa Quinta Refinance – 5 Tips to Help You Get the Best Mortgage
Read more about the article La Quinta Purchase Mortgage – Some Do’s and Don’ts and Great Tips to Help You Get the Best Loan

La Quinta Purchase Mortgage – Some Do’s and Don’ts and Great Tips to Help You Get the Best Loan

  • Post category:Home Purchasing

This article offers tips on how to prepare for purchase a new home, and how to get the best mortgage and lowest interest rate on a La Quinta Purchase Mortgage.

Continue ReadingLa Quinta Purchase Mortgage – Some Do’s and Don’ts and Great Tips to Help You Get the Best Loan
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Blog Posts

  • What Is a Non-QM Loan? A 2026 Guide to Non-Qualified Mortgages
  • How to Get Approved for a Mortgage in La Quinta, CA – 2026 guide
  • Unlocking Your Home’s Potential: Discover the Power of a Reverse Mortgage in La Quinta, CA
  • How to Get the Best Purchase Mortgage in California — 2026 Guide
  • How to Refinance Your Mortgage in California — 2026 Guide
  • Reverse Second Mortgage in La Quinta, CA – A Look at Some Use Cases That Can Make This a Good Option
  • 5 Tips for Starting Your Home Search – Start by Getting Preapproved for Your Mortgage!
  • Tips for Mortgage Refinancing
  • Financing Tips when Purchasing a New Home
  • Expert Advice: 3 Benefits to Owning a Home

Mortgage Industry Links

FNMA Loan Level Pricing Adjustments
Does FNMA Own Your Mortgage?
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Does Freddie Mac own your mortgage?
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Radian Mortgage Insurance

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Helpful Mortgage Links

FNMA Loan Level Pricing Adjustments
Does FNMA Own Your Mortgage?
Fannie Mae Website
FHA Website
FHA and FNMA Loan Limits
Freddie Mac
Does Freddie Mac own your mortgage?
MGIC Mortgage Insurance

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