Secure Choice Lending

Business Details

Your Trusted Mortgage Lender in Riverside, CA

Secure Choice Lending is a full-service mortgage lender dedicated to helping prospective and current homeowners achieve their financial goals. Founded on principles of integrity and trust, our team of experienced loan officers specializes in matching clients with tailored mortgage solutions. With expertise in conventional, FHA, VA, and jumbo loans, we streamline the lending process to ensure transparency and efficiency. Our commitment to customer service is reflected in our personalized approach, competitive rates, and no origination fees.

Headquartered in Riverside, California, we serve clients nationwide, offering 24/7 support and a user-friendly mortgage calculator to estimate payments. Our leadership team brings decades of combined experience in mortgage finance, ensuring clients receive expert guidance at every stage of the homebuying or refinancing journey.

Services

Conventional Loans FHA Loans VA Loans Jumbo Loans Fixed Rate Loans Adjustable Rate Loans Home Ready Loans Home Possible Loans Refinance Options Reverse Mortgages

Highlights and features

We offer no origination fees for all mortgage services.
Our team provides competitive national interest rates.
We match clients with loan programs tailored to their financial needs.
Our loan officers have decades of combined mortgage industry experience.
We guarantee 24/7 customer support for urgent inquiries.

Website

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Services

Conventional Loans

Conventional loans are ideal for borrowers with strong credit scores and down payments of 5-20%. These mortgages offer flexibility, competitive rates, and no mandatory mortgage insurance for down payments of 20% or more. Secure Choice Lending provides conforming and non-conforming options tailored to primary residences, investment properties, or vacation homes.

FHA Loans

FHA loans cater to first-time homebuyers with credit scores as low as 580 and down payments starting at 3.5%. These government-insured mortgages include upfront and annual mortgage insurance premiums but offer relaxed qualification standards. Our team guides clients through FHA loan requirements and property eligibility.

VA Loans

VA loans provide 100% financing for eligible veterans and active-duty military members. These loans eliminate down payment requirements and mortgage insurance, offering lower interest rates and relaxed credit standards. Secure Choice Lending assists with VA loan applications and funding fee options.

Jumbo Loans

Jumbo loans exceed conforming loan limits, catering to luxury homebuyers or high-value properties. With stricter qualification criteria, including credit scores above 700 and low debt-to-income ratios, our experts help clients secure financing for primary residences, vacation homes, or investment properties.

Refinance Options

Refinance services reduce monthly payments or adjust loan terms through rate-and-term refinancing, cash-out options, or government-specific programs like FHA Streamline and VA IRRRL. Our team evaluates clients' financial goals to determine the optimal refinancing strategy.

People

Mark Hossler

President

Mark Hossler leads Secure Choice Lending with over 20 years of mortgage industry experience. As a licensed loan officer, he specializes in guiding clients through complex mortgage transactions while maintaining a focus on ethical lending practices and customer satisfaction.

Joey Roquet

Vice President

Joey Roquet brings 15 years of mortgage expertise to Secure Choice Lending. He oversees loan origination strategies and ensures clients receive personalized service. His background in financial risk assessment helps streamline the approval process for diverse loan programs.

Brandon Beaudoin

Senior Loan Officer

Brandon Beaudoin specializes in first-time homebuyer programs and FHA loans. With a decade of experience, he educates clients on down payment assistance options and credit improvement strategies to achieve homeownership goals.

Karen Virgil

Senior Loan Officer

Karen Virgil focuses on VA loans and military housing benefits. Her 18 years in mortgage lending include assisting veterans with zero-down financing and navigating the unique requirements of VA loan programs.

Ryan Utter

Senior Loan Officer

Ryan Utter specializes in jumbo and investment property loans. With expertise in high-balance financing, he helps clients secure competitive rates for luxury homes or rental portfolios while adhering to strict underwriting standards.

Questions

What mortgage loan types does Secure Choice Lending offer?

We offer conventional, FHA, VA, jumbo, fixed-rate, adjustable-rate, HomeReady, HomePossible, and reverse mortgages, along with refinance options tailored to your financial situation.

Can I get pre-approved for a mortgage online?

Yes, our online pre-approval process takes minutes and provides a detailed estimate of your monthly payments based on current interest rates and your financial information.

What credit score is required for an FHA loan?

FHA loans require a minimum credit score of 580 for 3.5% down payments. Scores between 500-579 may qualify with a 10% down payment and additional documentation.

Do VA loans require mortgage insurance?

No, VA loans do not require mortgage insurance. They include an upfront funding fee, which can be rolled into the loan amount or paid by the seller.

How does a reverse mortgage work?

Reverse mortgages allow homeowners aged 62+ to convert home equity into funds. No monthly payments are required, and the loan is repaid when the home is sold or vacated.

What documents are needed for mortgage approval?

Typical requirements include proof of income (pay stubs, W-2s), tax returns, bank statements, and identification. Our team provides a customized checklist during the initial consultation.

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Reviews (5)

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Melissa Guzman

Jan 05, 2022 Report

Positive:Professionalism,Responsiveness
We had such a great experience working with Cristina and her team. We did not know what to expect as first time buyers and Cristina was available whenever we had questions or needed clarifying. This process was made to feel and seem to easy. Before we knew it, we closed early and are in our home!

Justin Kinney

Dec 12, 2021 Report

This team did an outstanding job and was a pleasure to work with; I highly recommend working with Ryan and everyone there. The best mortgage experience I've had in all my home purchases and refi's.

Joy De Woody

Nov 16, 2021 Report

This is our third loan made through secure choice lending and our agent, Miss Julie Wren. I have to say On behalf of my husband and I, that she is the most responsive professional young lady that we have worked with in many years. She efficiently, with her assistant m, completed our loan in a timely manner and making sure we got the very very best interest rate. We cant thank her enough for walking us through this challenging experience.

Hector Calderon

Nov 01, 2021 Report

IF YOU WANT SOMETHING DONE RIGHT, DON'T DO IT YOURSELF... CALL CRISTINA MOODY! I'm not hard to please, but I do expect things to go right when dealing with financial experts. Everybody calls themselves professional now a days but you know what and who they are as soon as you see the quality of their work. If you know your business there is no excuses just results. That is why I would 100% recommend Cristina Moody as a Loan Consultant. I appreciate it when someone teaches me a part of the industry so that I go in somewhat knowledgeable about my finance choices. She is competent, professional and

Stacie Ontko

Oct 27, 2021 Report

Positive:Professionalism,Quality,Responsiveness
What a great team to work with! Very professional and our entire process was so smooth! They are so helpful and nice, and seriously make everything so easy! We have worked with Secure Choice before, and will definitely work them in the future. We love Julie, she is awesome! Thank you to the entire team!