Mortgage Lender in Inglewood, CA
Serving Inglewood homebuyers since 1995, Choice One Mortgage helps first-time buyers, move-up buyers, and investors finance homes in one of Los Angeles County’s fastest-changing cities.
- Free Loan Analysis
- No Obligation
- 30+ Years Experience
Inglewood has changed more in the past decade than almost any city in the region. SoFi Stadium, the Kia Forum, and the Intuit Dome have made it a sports and entertainment center, the Hollywood Park redevelopment has added new housing and retail, and the Metro K Line now connects the city by rail. About 105,000 people live here, just east of LAX and minutes from the 405 and 105 freeways.
Home prices have risen with that investment but remain below the Westside and the beach cities. Single-family homes typically sell from about $750,000 to $1.2 million, condos and townhomes from $450,000 to $750,000, and duplexes to fourplexes from roughly $950,000 to $1.6 million.
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 Inglewood Housing Market
Inglewood’s neighborhoods are full of character homes from the 1920s through the 1950s: Spanish bungalows, Tudors, and traditional houses on tree-lined streets. The city also has a large supply of two-to-four unit properties, which gives buyers a way to offset their payment with rental income.
Nearly all single-family purchases in Inglewood fit within conforming loan amounts for Los Angeles County, and FHA and VA loans are widely used. Multi-unit properties have higher loan limits, which you can find on our county loan limits page.
With demand from stadium-area employment and proximity to LAX and Silicon Beach, rental demand is strong. Owner-occupants and investors both compete for well-located properties, so a solid pre-approval makes a difference when you make an offer.
Inglewood Neighborhoods We Serve
Morningside Park
On the east side of the city, Morningside Park is known for well-kept Spanish and traditional homes from the 1930s and 1940s on wide streets. It is one of Inglewood’s most popular neighborhoods with move-up buyers. Conventional and FHA loans are both common.
North Inglewood
North of Florence Avenue, close to Westchester and Ladera Heights, this area has some of the city’s larger homes and highest prices. A K Line station is nearby. Many purchases here use conventional conforming or high-balance loans.
Fairview Heights
A hillside pocket in the northeast with character homes and its own K Line station. Buyers like the architecture and the rail access to the Expo Line and downtown Los Angeles.
Century Heights
South of Century Boulevard near the stadium district, Century Heights offers single-family homes at moderate prices. It has seen steady buyer interest since the stadiums opened.
Inglewood Knolls
A quiet area on the western side of the city with mid-century homes, close to the 405 and LAX-area employers. It is a practical choice for buyers who commute.
Hollywood Park
The former racetrack site is now a master-planned district with new residences, shops, and offices next to SoFi Stadium. Financing in new developments depends on project approval, which we can check before you commit.
Home Loan Programs for Inglewood 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 Inglewood 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.
Learn more →
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.
Learn more →
VA Loans
Zero down, no monthly mortgage insurance, and competitive rates. A benefit you earned through your service.
Learn more →
Jumbo Loans
Financing for homes priced above the conforming loan limits, with the flexibility and personal service high-value purchases deserve.
Learn more →
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.
Learn more →
Bank Statement Loans
Qualify with your real cash flow, not the income left after write-offs. No tax returns required.
Learn more →
Asset Depletion Loans
Turn your savings, investments, and retirement accounts into qualifying income, with no paycheck or tax returns required.
Learn more →Real Estate Investors
DSCR Loans
Qualify based on the property's rental income, not your personal income. Grow your portfolio without tax returns.
Learn more →
Fix and Flip Loans
Fast, short-term financing for the purchase and the renovation, so you can win the deal and finish the project.
Learn more →
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 Inglewood Buyers Choose a Mortgage Broker
- Multi-unit financing — We finance duplexes, triplexes, and fourplexes with FHA, VA, and conventional loans, and count rent toward qualifying.
- First-time buyer programs — Low down payment loans and current information on down payment assistance.
- Investor loans — DSCR programs qualify on the property rent, with no personal income documentation.
- Rate shopping — Dozens of wholesale lenders compared for every loan.
- 30+ years of experience — Bill Lewis has been originating mortgage loans in Los Angeles County since 1995.
Frequently Asked Questions About Inglewood Mortgages
How much do I need for a down payment on a home in Inglewood?
FHA loans require 3.5% down, which is $29,750 on an $850,000 home. Conventional loans start at 3% down for first-time buyers, and VA loans require no down payment for eligible borrowers.
Can I buy a duplex or fourplex in Inglewood with a low down payment?
Yes, if you live in one of the units. FHA allows 3.5% down on properties with up to four units, and VA allows no down payment. Part of the rent from the other units can be used to help you qualify.
Have the stadiums affected home values in Inglewood?
Prices in Inglewood have risen substantially since the stadium district and the K Line were announced, and buyer demand has stayed strong. No one can promise future appreciation, but the level of public and private investment is a real change from a decade ago.
Are there programs for first-time buyers in Inglewood?
Yes. State and county programs offer down payment and closing cost help for buyers who qualify, and they can be combined with FHA or conventional loans. Call (310) 614-5920 and we will check your eligibility.
What are closing costs like in Inglewood?
About 2% to 3% of the purchase price, or roughly $17,000 to $25,500 on an $850,000 home. Seller credits can cover part of this.
Serving Inglewood 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 Inglewood 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.