Your agent and your loan,
one team.
If you want a realtor and mortgage broker under one roof, here they are: the Gregory James Group and Choice Home Mortgage are both trade names of Montana Real Estate Inc. Greg's team handles the home and Choice Home Mortgage handles the loan, on one calendar. You are free to choose any lender.
Gregory James Group, DRE 01822046 · Greg Toussieng, Broker, DRE 01495415 · Choice Home Mortgage, NMLS #2629064, Equal Housing Lender.
Can I find a realtor and mortgage broker under one roof?
Yes, here you can. The Gregory James Group and Choice Home Mortgage are both trade names of the same company, Montana Real Estate Inc, so the agent writing your offer and the team arranging your loan talk every day. The benefit is coordination: the appraisal is ordered on time, loan conditions are known before deadlines, and there is one place to call when something changes.
The trade-off is that convenience is no guarantee of the best loan for you. Ask more than one lender for a Loan Estimate and compare them line by line. The relationship between the two names is disclosed to you in writing, and you are never required to use Choice Home Mortgage to buy with Greg. If you already have a lender you trust, Greg works with them on the same calendar.
The company record shows both names on one corporate licence. Search the California Department of Real Estate lookup for Montana Real Estate Inc, licence 01822046, and the trade names are listed on it. Choice Home Mortgage's mortgage lending record is separate and public on the NMLS Consumer Access site under #2629064.
How do the two teams work a purchase?
The two teams work four milestones on one calendar, each side doing its own part at the same time. When both can see the same dates, fewer deadlines slip.
Offer
Greg's team prices the offer from recent sales and writes terms the seller can rely on, while Choice Home Mortgage issues a pre-approval letter matched to the offer price.
Appraisal
The loan side orders the appraisal early so the result lands well before its contract deadline, and Greg meets the appraiser with the comparable sales and a list of the home's upgrades.
Loan approval
The loan side clears conditions and confirms approval to both sides, while Greg tracks contingency dates and keeps the seller's agent informed.
Close
Loan documents and funds go to escrow on schedule, followed by the final walk-through, signing and the keys.
Timing varies with each purchase and loan. The point of the shared calendar is that a problem on one side is known to the other the same day.
Do I have to use Choice Home Mortgage?
You do not have to use Choice Home Mortgage. Using it is always optional, and buying a home with Greg never depends on where your loan comes from. You are free to choose any lender.
You choose your lender
Ask two or three lenders for a Loan Estimate on the same day and compare the costs line by line. Lenders must send one within three business days of your application, on a standard federal form that makes the comparison straightforward.
Read the relationship disclosure before you decide anything. You can switch lenders later if you want to; a late switch can affect your timeline, so Greg will tell you what it means for your dates.
Nobody is paid for sending you to Choice Home Mortgage. Federal law under the Real Estate Settlement Procedures Act bars fees and kickbacks for referring settlement business, including mortgage loans, and the rules for businesses connected by ownership require that the buyer be told about the connection and stay free to go elsewhere.
What are the benefits and the trade-offs?
The benefit is coordination, and the trade-off is that you still need to compare loans. On the benefit side, the offer, appraisal and loan approval are planned together, and both sides hear about a problem at the same moment. That helps most when the timeline is tight, when an appraisal comes in close to the price, or when a loan condition needs a document quickly.
On the other side, a convenient lender is not automatically the cheapest one. Rates, lender fees and points differ from one lender to the next, and the Loan Estimate is the way to see it. Ask Choice Home Mortgage and at least one other lender, then decide on the numbers.
Who is Choice Home Mortgage?
Choice Home Mortgage is the loan side of the roof: a home lender based in Fountain Valley, California, NMLS #2629064, and an Equal Housing Lender. It is directly licensed in California and arranges home loans for buyers and owners. Esther Buede, a broker associate who works alongside Greg, also works at Choice Home Mortgage.
| Legal entity | Montana Real Estate Inc, doing business as Choice Home Mortgage |
| NMLS | #2629064 |
| Office | Fountain Valley, California |
| Licensing | Directly licensed in California |
| Lending | Equal Housing Lender |
Visit Choice Home Mortgage or check its NMLS record.
Esther and Choice Home Mortgage explain the loan side of buying a home on their own site.
The same team from the loan side
Gregory James Group and Choice Home Mortgage are trade names of the same California company, Montana Real Estate Inc (CA DRE #01822046, NMLS #2629064), which Greg Toussieng owns. If we represent you in a purchase or sale and you also arrange your loan through Choice Home Mortgage, the company is paid for both services. You are not required to use Choice Home Mortgage to work with Gregory James Group, and you are free to compare loans from any other lender. When we refer you, we give you a written disclosure of this relationship and the estimated charges, and when we act as both your agent and your loan broker we confirm both roles in writing within 24 hours.
4.7 out of 5 from 147 Google reviews of Choice Home Mortgage, as of 2026-09-17. These are reviews of the mortgage business, shown unedited. Choice Home Mortgage and the Gregory James Group are both trade names of Montana Real Estate Inc.
We had the pleasure of working again with Esther and Choice Home Mortgage to refinance into an FHA Streamline loan. Esther made this transition so smooth and seamless for us. This team is is amazing and we could not have chosen a better partner in the journey!
Communication was prompt and understanding. Esther took it upon herself to make sure we had everything we needed to complete the process.
Esther Buede is so AMAZING. She helped us with everything. And she took a chance on us and we really APPRECIATE her. Esther was there from beginning and until the end. Esther made us feel so comfortable and trusting and helped us understand everything. Esther we just wanted to tell you thank you for your service and your knowledge.
Can you quote me a mortgage rate here?
Mortgage rates are not quoted on this site, because they change daily and depend on your loan, your finances and the property, so this site does not publish them. Any lender you contact, including Choice Home Mortgage, can give you a Loan Estimate for your own situation.
How do I get started buying with Greg?
Start with a conversation about the home: tell Greg where you are looking and when; the loan conversation can come later, with any lender you like. The buying with Greg page covers the buyer agreement and each step to the keys, and the licensing page shows the record for both trade names.
Common questions
Can my real estate agent and my lender be the same company?
An agent and a lender can belong to the same company, and here they do. The Gregory James Group and Choice Home Mortgage are both trade names of Montana Real Estate Inc. The relationship is disclosed in writing before any loan conversation, and every buyer remains free to choose any lender, including one with no connection to Greg at all.
Do I have to use Choice Home Mortgage to buy with Greg?
Buying with Greg never depends on using Choice Home Mortgage. Greg represents buyers who use any lender, and he works on the same calendar with an outside loan officer as he would with Choice Home Mortgage. A buyer can also start with one lender and move to another, though a late switch can affect the closing date.
What are the benefits of one team?
One team gives a purchase coordination. The offer, the appraisal and the loan approval are planned on one calendar, and both sides hear about a problem at the same moment. That can make a contract deadline easier to keep, especially when the appraisal comes in close to the price or a loan condition needs a document quickly.
What are the trade-offs of using the same company?
Convenience does not guarantee the best loan. Rates, fees and terms differ between lenders, and the only way to know is to compare Loan Estimates from more than one before choosing. Buyers should also ask any question about how the two trade names are connected, and how each is paid, before deciding anything.
Can you tell me today's mortgage rates?
Mortgage rates change daily and depend on the loan, the borrower and the property, so this site does not publish them. Any lender a buyer contacts, including Choice Home Mortgage, can provide a Loan Estimate for the buyer's own situation, and federal rules require it within three business days of a loan application.
Who is Choice Home Mortgage?
Choice Home Mortgage is a home lender with its office in Fountain Valley, California, NMLS #2629064, and an Equal Housing Lender. It is directly licensed in California, and its record is public on the NMLS Consumer Access site. It and the Gregory James Group are both trade names of Montana Real Estate Inc.
- California DRE public licence lookup: Montana Real Estate Inc, DRE 01822046 (trade names) · checked 2026-10-28
- NMLS Consumer Access: Choice Home Mortgage, NMLS 2629064 · checked 2026-10-28
- 12 CFR 1024.15, Affiliated business arrangements (RESPA Regulation X) · checked 2026-10-28
- 12 U.S.C. 2607, RESPA section 8 (no fees for referrals) · checked 2026-10-28
- CFPB: Loan Estimate explainer (within three business days of application) · checked 2026-10-28
- Choice Home Mortgage: licensing · checked 2026-10-28
Start with the address. Greg does the rest.
A written valuation from recent sales near you, prepared by a licensed broker. Or call (949) 868-8820.