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:
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!
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 Will Help You Get the Lowest Rate!
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!
Are You Having Problems Qualifying for a Mortgage? We Have Many Programs That Might Just Fit Your Particular Situation.
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
Is a Reverse Mortgage
Right For You?
- 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)
What About a Reverse Second Mortgage?
Are you over the age of 55, already have a low rate on your first mortgage and don’t want to refinance? Do you need access to your home equity for home improvements, to pay for the grand kids college, or just to make ends meet?
If this sounds like you, we also offer the “HomeSafe Second” mortgage through Finance of America that requires NO MONTHLY PAYMENTS.
Watch this short video to learn more.
Do You Want to Refinance Your Current 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
- Cash-out refinances and Debt Consolidation loans