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. 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 deal. 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.
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.
Services
Whether you are purchasing a new home or refinancing your current one, we can help.
We offer the lowest rates in the industry and we always have no point (and no fee) options available for you!
With offices in Westlake Village and La Quinta, Choice One Mortgage has been helping Californians finance their homes since 1995.
Our clients live all over CA but that doesn't stop us from helping them!
In this day and age, so much of what we do is done over the phone or electronically.
But, we still do our best to give you that personal touch.
We offer the lowest rates in the industry and we always have no point (and no fee) options available for you!
With offices in Westlake Village and La Quinta, Choice One Mortgage has been helping Californians finance their homes since 1995.
Our clients live all over CA but that doesn't stop us from helping them!
In this day and age, so much of what we do is done over the phone or electronically.
But, we still do our best to give you that personal touch.
When it comes to purchasing a home in Southern California, there is no "one-size fits all" solution for your purchase mortgage.
Even though lenders are using similar underwriting guidelines these days, there are still differences impacting what each can offer you.
This is important stuff, and most California homebuyers that we talk to are unsure about the process and don't know who to trust.
Now let's dive in deeper and look at these tips for getting the best purchase mortgage in more detail.
Do pay all of your credit cards, car loans and other debt that appears on your credit report on time.
Even though lenders are using similar underwriting guidelines these days, there are still differences impacting what each can offer you.
This is important stuff, and most California homebuyers that we talk to are unsure about the process and don't know who to trust.
Now let's dive in deeper and look at these tips for getting the best purchase mortgage in more detail.
Do pay all of your credit cards, car loans and other debt that appears on your credit report on time.
When it comes to a California mortgage refinance, there is no "one-size fits all" solution.
Even though lenders are using similar underwriting guidelines these days, there are still differences impacting what each can offer you.
This is important stuff, and most So Cal homeowners that we talk to are unsure about how to avoid common mistakes.
It is important to understand that you cannot rely on credit scores from free online credit providers, like Credit Karma for example.
The scores generated by most free services are called "educational" or "generic" and are not the scores used by mortgage lenders.
Even though lenders are using similar underwriting guidelines these days, there are still differences impacting what each can offer you.
This is important stuff, and most So Cal homeowners that we talk to are unsure about how to avoid common mistakes.
It is important to understand that you cannot rely on credit scores from free online credit providers, like Credit Karma for example.
The scores generated by most free services are called "educational" or "generic" and are not the scores used by mortgage lenders.
Found the home of your dreams?
Next step: Get preapproved!
With Choice One Mortgage Company and Quicken Loans on your team, we make the process simple and easy to understand.
Purchasing a home is a major decision, but it also carries many benefits - including the possibility that your mortgage payment may be the same as or less than your monthly rent.
Think you need 20% down to get a conventional loan?
We've got great news.
The Home Possible and HomeReady programs by Freddie Mac and Fannie Mae allow first-time and repeat home buyers to get into a new home with as little as 3% down.
Next step: Get preapproved!
With Choice One Mortgage Company and Quicken Loans on your team, we make the process simple and easy to understand.
Purchasing a home is a major decision, but it also carries many benefits - including the possibility that your mortgage payment may be the same as or less than your monthly rent.
Think you need 20% down to get a conventional loan?
We've got great news.
The Home Possible and HomeReady programs by Freddie Mac and Fannie Mae allow first-time and repeat home buyers to get into a new home with as little as 3% down.
When purchasing a new home, you DO NOT have to put 20% down to avoid paying Private Mortgage Insurance or PMI.
In this video, we show you how - and show you ways to save A LOT of money at the closing table AND over the life of the loan.
A purchase loan example detailing the differences between FHA and Conventional (Fannie Mae) loans.
Actual rate and payment comparisons and the Pros and Cons of each are explained in full.
In this video, we show you how - and show you ways to save A LOT of money at the closing table AND over the life of the loan.
A purchase loan example detailing the differences between FHA and Conventional (Fannie Mae) loans.
Actual rate and payment comparisons and the Pros and Cons of each are explained in full.
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