Right Choice Mortgage Inc

Mortgage Lender serving Rancho Santa Margarita, CA

About Right Choice Mortgage Inc

Right Choice Mortgage operates as a dedicated mortgage broker and a strategic partner to credit unions, primarily serving the California market since at least 2018 (based on website copyright). Their core mission is to provide home loans with competitive interest rates and minimal closing costs, assisting borrowers in navigating the complexities of securing financing. They aim to overcome common roadblocks by offering a diverse array of products and personalized service.

The company distinguishes itself through its unique "Credit Union Services" model, acting as an outsourced mortgage department for credit unions. This partnership allows credit unions to expand their mortgage offerings, including hard-to-find Adjustable Rate Mortgages (ARMs), without incurring financial risk, as Right Choice Mortgage is compensated only upon loan funding. They provide credit union partners with dedicated, NMLS-licensed account executives, free marketing services, and customized solutions.

For individual borrowers, Right Choice Mortgage leverages technology such as secure online applications, pre-qualification tools, and interactive mortgage calculators to streamline the loan process. They specialize in a variety of home loan programs, including conventional, FHA, and VA loans, as well as niche products like bank statement loans for self-employed individuals and portfolio loans for unique financial situations. Testimonials frequently highlight their professionalism, patience, and commitment to finding suitable loan programs for clients with diverse financial backgrounds.

Company Information

Lender Type: Mortgage Broker
Headquarters: Rancho Santa Margarita, CA

Licensed In

CA

Digital Capabilities

Online Application
Pre-Qualification Tool
Rate Calculator

Home Loan Products

Conventional Fixed Rate Mortgage

Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Available Terms:
10 years15 years20 years25 years30 years

Adjustable Rate Mortgage (ARM)

Loan Types:
Conventional
Rate Types:
Adjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence

First-Time Homebuyer Conventional Program

Loan Types:
Conventional
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Special Programs:
First-Time HomebuyerLow Down Payment Program
3%
Min Down Payment

FHA Loan Program

Loan Types:
FHA
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
3.5%
Min Down Payment

VA Loan Program

Loan Types:
VA
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Special Programs:
Veteran Program
0

Cash-Out Refinance Program

Loan Types:
Cash-Out RefinanceRefinance
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
620
Min Credit Score

Bank Statement Loan Program

Loan Types:
Bank StatementNon-QM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Self-Employed
Income Verification:
Bank Statement
Special Programs:
Self-Employed ProgramBank Statement Program

No Seasoning Loan Program

Loan Types:
Non-QM
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Credit Tiers:
Fair (620-679)Poor (580-619)

Portfolio Loan Program

Loan Types:
PortfolioNon-QM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Income Verification:
Full Documentation

Reverse Mortgage Program

Loan Types:
Reverse Mortgage
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired

Contact Information

29829 Santa Margarita Pkwy Ste 100
Rancho Santa Margarita, CA 92630
US
Mailing Address:
29829 Santa Margarita Pkwy. #100, Rancho Santa Margarita, CA 92688

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Business Information

Category: Mortgage Lender
Location: Rancho Santa Margarita, CA
Status: Standard
Type: Mortgage Broker
Profile Views: 0

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