Business Details
Your Trusted Mortgage Broker in San Ramon, CA
For over two decades, Quality Choice Funding has provided personalized mortgage solutions to home buyers and owners across California, Oregon, and Washington. Our team specializes in analyzing client needs and delivering tailored financing options, including FHA, VA, Jumbo, and Reverse Mortgages. With a commitment to integrity and efficiency, we guide clients through every step of the loan process, from pre-approval to closing. Our expertise in residential mortgage lending ensures competitive rates and customized service for first-time buyers, seasoned investors, and everyone in between.We pride ourselves on transparency, offering clear communication and no hidden fees throughout the mortgage journey. Our licensed professionals maintain deep knowledge of local housing markets and federal lending programs, enabling us to secure optimal financing solutions for diverse client profiles. Through advanced digital tools and personalized support, we streamline mortgage qualification, rate comparison, and loan selection to deliver exceptional client experiences.
Services
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgage
30-Year Fixed
15-Year Fixed
Refinancing
HARP Loans
Home Purchase Loans
Mortgage Pre-Approval
Highlights and features
- We offer 20+ years of mortgage industry experience with proven loan solutions
- Our team provides personalized guidance through every stage of the mortgage process
- We offer diverse loan options including FHA, VA, Jumbo, and Reverse Mortgages
- Our licensed professionals maintain expertise in California, Oregon, and Washington markets
- We guarantee transparent communication with no hidden fees or surprises
What people say
Excellent rate
Responsive service
Great deal
Seamless process
Knowledgeable guidance
Services
FHA Loans
FHA-insured mortgage loans requiring 3.5% down payments with flexible credit requirements. Ideal for first-time buyers and investors seeking accessible financing. Our experts guide clients through qualification, rate comparison, and closing processes for competitive FHA loan solutions.
VA Loans
U.S. Department of Veterans Affairs guaranteed loans with no down payment requirements. We specialize in VA loan programs for eligible veterans and surviving spouses, offering expert guidance through the unique qualification and approval processes.
Jumbo Loans
Non-conforming mortgage loans exceeding $647,200 limits with financing up to $2.5 million. Our team provides competitive jumbo loan options for high-value properties, with streamlined processes for complex financing scenarios.
Reverse Mortgage
FHA-insured reverse mortgages for seniors aged 62+ converting home equity into cash. We offer comprehensive counseling on disbursement options including lump sums, lines of credit, and monthly payments with no mortgage payments required.
30-Year Fixed
Traditional 30-year fixed-rate mortgages with stable monthly payments. Ideal for long-term homeowners seeking predictable financing. Our experts help clients qualify for competitive fixed rates with personalized loan term recommendations.
People
Dave Hanks
Mortgage Broker
With over 20 years of mortgage industry experience, Dave Hanks specializes in residential loan solutions across California, Oregon, and Washington. He provides personalized guidance through every mortgage process stage, maintaining a proven track record of securing competitive rates and efficient loan closings for diverse client profiles.
Questions
What mortgage loan types do you offer?
We offer FHA, VA, Jumbo, Reverse Mortgages, 30-Year Fixed, 15-Year Fixed, and refinancing options tailored to meet diverse client needs.
How does the mortgage application process work?
Complete our online qualifier, receive personalized loan options, compare rates and terms, then finalize your application with expert guidance from our team.
What documentation is required for mortgage applications?
We require Social Security numbers, employment information, income estimates, asset details, and liability information to process all mortgage applications.
Do you offer mortgage services outside California?
Yes, we provide licensed mortgage services in California, Idaho, Oregon, and Washington with market-specific expertise in each state.
Can I get pre-approved for a mortgage online?
Yes, our secure online portal allows you to complete a pre-approval application with estimated documentation for faster loan processing.
What are the benefits of FHA loans?
FHA loans require 3.5% down payments, offer flexible credit requirements, and provide accessible financing options for first-time homebuyers and investors.
