Mortgage Lender in Hawthorne, CA
Serving Hawthorne homebuyers since 1995, Choice One Mortgage helps first-time buyers, growing families, and investors finance homes in one of the South Bay’s most central and attainable cities.
- Free Loan Analysis
- No Obligation
- 30+ Years Experience
Hawthorne sits in the middle of the South Bay, about five miles from the beach and right beside the 405 and 105 freeways. Roughly 85,000 people live here. The city has deep roots in aviation and aerospace, and today it is home to a large SpaceX campus and a busy municipal airport. For buyers, the draw is simple: South Bay location at prices well below the beach cities.
Most single-family homes in Hawthorne sell between about $750,000 and $1.1 million. The Hollyglen neighborhood west of the 405 is the exception, with homes commonly from $1.2 million to $1.8 million. Condos and townhomes generally run from $450,000 to $750,000, and the city has many duplexes and small apartment buildings.
At Choice One Mortgage, Bill Lewis has been helping South Bay buyers and homeowners since 1995. As a mortgage broker with access to dozens of wholesale lenders, we compare programs and pricing for you, whether you are buying your first home, moving up, refinancing, or adding a rental property.
Call (310) 614-5920 for a free, no-obligation consultation tailored to your situation.
Talk to a Local Mortgage Expert
Free Loan Analysis • No Obligation • 30+ Years Experience
Prefer email? Send us a messageThe Hawthorne Housing Market
Hawthorne is bordered by Inglewood to the north, Lawndale and Gardena to the south, and El Segundo to the west. The Metro C Line stops at Hawthorne/Lennox, and LAX is ten minutes away. Most homes were built between the 1940s and 1960s: single-story houses on lots that often have room for an addition or an accessory dwelling unit.
The price range works well with standard financing. Most purchases fit within conforming loan amounts, and FHA and VA loans are widely used. Because Los Angeles County is a high-cost county, even the higher-priced homes in Hollyglen usually qualify for high-balance conforming loans without needing a jumbo.
Hawthorne also has more two-to-four unit properties than most South Bay cities. Buying a duplex, living in one unit, and renting the other is a common way to make the payment manageable, and FHA allows it with a low down payment.
Hawthorne Neighborhoods We Serve
Hollyglen
West of the 405 and next to El Segundo and Manhattan Beach, Hollyglen is Hawthorne’s most sought-after neighborhood. It is served by the Wiseburn Unified School District, which is a major reason buyers look here. Homes are mostly updated mid-century houses and newer rebuilds. High-balance conforming loans are the usual fit.
Ramona
A central neighborhood of single-family homes south of El Segundo Boulevard, popular with first-time buyers. Prices are typically in the high $700,000s to around $1 million. FHA, VA, and low-down-payment conventional loans all work well.
Bodger Park Area
At the southern edge of the city near Lawndale, the streets around Bodger Park offer mid-century homes on comfortable lots. It is a good area for buyers who want a yard and a quiet block at a moderate price.
North Hawthorne
North of Rosecrans Avenue toward Inglewood, this area has the widest mix of housing: single-family homes, duplexes, and small apartment buildings. It is close to the freeways and the Metro. Investors and owner-occupants buying multi-unit properties are active here.
Holly Park
Along the eastern side of the city near Gardena, Holly Park has modest homes at some of the lowest prices in Hawthorne. It is a practical entry point for buyers using FHA financing or down payment assistance.
Home Loan Programs for Hawthorne Buyers
As a mortgage broker, Choice One Mortgage is not limited to a single bank’s products. We search dozens of wholesale lenders to match Hawthorne buyers with the right loan program for their situation.
Buying or Refinancing a Home
Conventional Loans
Flexible financing with as little as 3% down, mortgage insurance you can drop, and terms built around your goals.
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FHA Loans
Buy with as little as 3.5% down and flexible credit guidelines. A proven path to homeownership for first-time and repeat buyers.
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VA Loans
Zero down, no monthly mortgage insurance, and competitive rates. A benefit you earned through your service.
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Jumbo Loans
Financing for homes priced above the conforming loan limits, with the flexibility and personal service high-value purchases deserve.
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Bridge Loans
Use the equity in your current home to buy your next one now, without a contingent offer or moving twice.
Learn more →Self-Employed and Alternative Income
Self-Employed Mortgages
Business owners, freelancers, and 1099 earners deserve a mortgage that fits how they actually get paid.
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Bank Statement Loans
Qualify with your real cash flow, not the income left after write-offs. No tax returns required.
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Asset Depletion Loans
Turn your savings, investments, and retirement accounts into qualifying income, with no paycheck or tax returns required.
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DSCR Loans
Qualify based on the property's rental income, not your personal income. Grow your portfolio without tax returns.
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Fix and Flip Loans
Fast, short-term financing for the purchase and the renovation, so you can win the deal and finish the project.
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Hard Money Loans
Asset-based financing for investors who need to close fast, based on the property's value instead of your paperwork.
Learn more →Home Equity and Retirement
Why Hawthorne Buyers Choose a Mortgage Broker
- Rate shopping across many lenders — We compare wholesale lenders for you. A small difference in rate on an $800,000 loan adds up to thousands of dollars.
- First-time buyer guidance — We walk you through FHA, VA, and conventional options and show the payment and cash needed for each.
- Multi-unit financing — We finance duplexes, triplexes, and fourplexes, and can count rental income from the other units toward qualifying.
- Investor programs — DSCR loans qualify on the property rent, not your personal income.
- 30+ years of South Bay experience — Bill Lewis has been originating mortgage loans since 1995. You get one point of contact from start to finish.
Frequently Asked Questions About Hawthorne Mortgages
How much do I need for a down payment on a home in Hawthorne?
FHA loans require 3.5% down, which is $29,750 on an $850,000 home. Conventional programs start at 3% down for first-time buyers, and VA loans require no down payment. Down payment assistance programs may reduce the cash you need further.
Can I buy a duplex in Hawthorne with an FHA loan?
Yes, if you live in one of the units. FHA allows 3.5% down on two-to-four unit properties, and part of the rent from the other units can be used to help you qualify. Loan limits are higher for multi-unit properties; see our county loan limits page.
Why are homes in Hollyglen more expensive than the rest of Hawthorne?
Hollyglen is west of the 405, close to El Segundo and Manhattan Beach, and is served by the Wiseburn Unified School District. Those factors keep demand high. Most Hollyglen purchases still qualify for high-balance conforming loans.
Is Hawthorne a good place to buy a rental property?
It can be. Steady rental demand from nearby employers and LAX, plus a large supply of multi-unit properties, attract investors. We offer conventional investment loans and DSCR loans that qualify on the rental income.
What are closing costs like when buying in Hawthorne?
Expect about 2% to 3% of the purchase price, or roughly $17,000 to $25,500 on an $850,000 home. Sellers can often contribute toward closing costs, and FHA allows seller contributions of up to 6%.
Serving Hawthorne and the Greater South Bay
Choice One Mortgage has been serving homebuyers throughout the South Bay and greater Los Angeles since 1995. We work with buyers and homeowners in Hawthorne and all surrounding communities.
Choice One Mortgage Company, Inc. | NMLS 233784 | CA DRE 01238593
Bill Lewis | NMLS 284797 | (310) 614-5920
Equal Housing Lender. Subject to credit and property approval. This is not a commitment to lend.