Business Details
Trusted Mortgage Brokers in Rancho Santa Margarita, CA
At Right Choice Mortgage, we are dedicated to serving our clients with honesty, integrity, and competence. Our mission is to provide home loans with the lowest interest rates and minimal closing costs while helping borrowers overcome financial roadblocks. We offer a wide array of mortgage products, investment tools, and personalized financing solutions tailored to individual needs. Leveraging modern technology, we enable secure online loan applications, pre-qualifications, and interactive mortgage scenario evaluations. Our team of licensed professionals delivers exceptional service, ensuring transparency and no hidden fees.With over a decade of experience, we specialize in complex cases, including self-employed borrowers and those with non-traditional income sources. Our commitment to excellence has earned us partnerships with credit unions and trust from clients across California. We pride ourselves on customized services, free marketing support for partners, and a proven track record of increasing loan balances and non-interest income. Our goal is to be your trusted partner in achieving homeownership or refinancing success.
Services
Fixed Rate Mortgages
Adjustable Rate Mortgages
First Time Home Loans
Cash Out Refinance
Bank Statement Loans
No Seasoning Loans
Reverse Mortgages
Credit Union Partnerships
Self-Employed Mortgages
Portfolio Loan Products
Highlights and features
- We specialize in adjustable rate mortgages tailored to NCUA requirements.
- No financial risk with our cost-free profit center model.
- Dedicated NMLS Licensed account executives ensure high service standards.
- Free mortgage marketing services for credit union partners.
- Customized solutions tailored to your specific financial needs.
What people say
Outstanding service
Knowledgeable agents
Low interest rates
Personalized attention
Highly recommend
Services
Fixed Rate Mortgages
Fixed Rate Mortgages provide stable interest rates and predictable monthly payments over loan terms ranging from 10 to 30 years. Ideal for borrowers seeking long-term financial stability, these mortgages protect against market fluctuations. Our offerings include conventional, FHA, and VA loan options with competitive rates and flexible down payment requirements.
Adjustable Rate Mortgages
Adjustable Rate Mortgages offer initial fixed-rate periods followed by periodic rate adjustments tied to market indices. Designed for credit unions and borrowers seeking lower initial rates, these loans include 5-1, 7-1, and 10-1 ARM options. We specialize in NCUA-compliant ARM products that balance risk and reward for financial institutions.
Cash Out Refinance
Cash Out Refinance allows homeowners to access equity with loan amounts up to $1 million and credit scores as low as 620. This option is ideal for debt consolidation, home improvements, or major life expenses. Our streamlined process ensures competitive rates and minimal closing costs for qualified borrowers.
Bank Statement Loans
Bank Statement Loans cater to self-employed borrowers using bank statements to verify income. Designed for complex financial situations, these loans bypass traditional W-2 requirements. Our experts specialize in underwriting solutions for entrepreneurs, freelancers, and small business owners seeking homeownership.
Credit Union Partnerships
Our Credit Union Partnerships provide cost-free profit centers with dedicated account executives and free marketing support. We handle loan origination, processing, and underwriting while credit unions retain portfolio assets. This model generates non-interest income without financial risk, expanding mortgage offerings for member satisfaction.
People
Tawnya King
Loan Officer
Tawnya King specializes in self-employed mortgage solutions with over 20 years of experience. She excels in complex cases, offering personalized service and competitive rates. Clients praise her patience, expertise, and dedication to overcoming financial roadblocks.
TJ Jensen
Loan Officer
TJ Jensen specializes in refinancing and credit-challenged borrowers with a track record of success. She provides tailored solutions for difficult cases, including post-bankruptcy and short-sale scenarios. Known for responsiveness and tenacity, TJ ensures clients achieve favorable outcomes.
Steve Styck
Loan Officer
Steve Styck offers expertise in portfolio loan products and debt consolidation strategies. With multiple return clients, he delivers competitive rates and personalized guidance. His clients highlight his professionalism, timely communication, and ability to save thousands through refinancing.
Scott Crawford
Loan Officer
Scott Crawford specializes in first-time homebuyer programs and VA loans. He provides personalized support for self-employed individuals and complex income scenarios. Clients commend his transparency, patience, and ability to simplify the mortgage process.
Jackie Barikhan
Loan Officer
Jackie Barikhan excels in refinancing and new home purchases with a focus on client education. She streamlines complex transactions, including reverse mortgages and multi-property deals. Her dedication to exceptional service has earned consistent client referrals and repeat business.
Questions
What mortgage loan programs do you offer?
We offer fixed-rate, adjustable-rate, cash-out refinance, bank statement loans, first-time homebuyer programs, reverse mortgages, and niche products for self-employed borrowers and credit unions.
Do you work with self-employed individuals?
Yes, we specialize in bank statement loans and alternative income verification for self-employed borrowers, freelancers, and small business owners with complex financial profiles.
Can I apply for a mortgage online?
Yes, our website offers secure online loan applications, pre-qualification tools, and interactive mortgage calculators to streamline the process from anywhere.
What credit union services do you provide?
We offer credit unions adjustable-rate mortgage programs, free marketing support, dedicated account executives, and cost-free profit centers with no financial risk.
How do you handle difficult mortgage cases?
Our team specializes in overcoming roadblocks like bankruptcies, foreclosures, and non-traditional income through customized underwriting and niche loan programs.
What areas do you serve?
We primarily serve California residents and credit unions statewide, with experienced agents handling transactions in major metropolitan areas and rural communities alike.
