Expertise.com

2024

Last updated:

Best Mortgage Brokers in Chino Hills

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Chino Hills Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

27Reviewed

19Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3220 Riverside Drive, Chino, CA 91710
  • Commercial Loans

Why choose this provider?

L.A. Financial Management & Services provides its solutions to the residents of Chino Hills and the surrounding areas. It offers purchase loans for a selection of properties, such as single-family residences, manufactured homes, townhouses, and condominiums. Its team provides VA, USDA, FHA, conventional, and jumbo loan programs. The company has various programs, including adjustable-rate, fixed-rate, and interest-only mortgages. It also provides home loan refinancing solutions, helping clients cash out or reduce the terms of their current loans.

License Verified:

License: 315517

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
18206 Imperial Highway Suite 201, Yorba Linda, CA 92886
  • Refinance

Why choose this provider?

The Cornelius Mortgage Team serves clients in Chino Hills who seek loan brokerage services. The team is headed by branch manager Mike Cornelius, who operates under the Motto Mortgage banner. He has products fit for first-time home buyers and those who are upgrading their current residences for more tricked-out houses. Refinancing is an option to lessen the burdens of existing debts. In addition, the team offers reverse mortgage programs for the elderly members of the community.

License Verified:

License: 1646694

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (37)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1520B N Mountain Avenue Ste 106, Ontario, CA 91762
  • Refinance

Why choose this provider?

The Loan Bar serves individuals and families looking to purchase or refinance a home in Chino Hills. It offers loan programs for various scenarios, including FHA, conventional, VA, and Jumbo loans. Its team also assists with Non-Qualified Mortgage loans for self-employed homebuyers. The Loan Bar has partnered with Equity Smart Home Loans, UWM, Fannie Mae, and Freddie MAC. It strives to make mortgages easy to understand for clients by educating them on the available options and what to expect when applying for a home loan.

License Verified:

License: 856170

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4195 Chino Hills Pkwy #469, Chino Hills, CA 91709
  • Refinance

Why choose this provider?

CityFund Mortgage offers its services to potential borrowers and refinancers from communities within Chino Hill. The firm provides individuals and families with different types of mortgages that cover a variety of financial goals, ranging from new home purchases to interest rate reductions. Its loan officers use various digital tools and industry-related technology to help clients submit applications and requirements online and expedite pre-qualifying processes. They also personalize each option based on an applicant's credit score, total assets, property values, and income sources.

License Verified:

License: 270306

Nationwide Multistate Licensing System and Registry

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14726 Ramona Ave 4th Floor, Chino, CA 91710
  • Refinance
  • New Construction

Why choose this provider?

Raeline Lascano Home Loans is a full-service mortgage company that serves home buyers and owners in Chino Hills and the surrounding areas. It provides customers with various loan programs, which include home purchase loans and refinance. Its team of mortgage professionals handles loans for different types of properties, such as single-family homes, townhouses, condominiums, and multi-family properties. Its owner, Raeline Lascano, is also a real estate specialist who has been in the mortgage industry since 1992.

License Verified:

License: 243138

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (13)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
305 N. Second Ave., Upland, CA 91786
  • Refinance

Why choose this provider?

Crown Castle Mortgage Realty has been providing services to residents in the Chino Hills metro for more than 20 years. It offers different types of mortgage programs, such as conventional, FHA, and jumbo loans, helping clients realize their homeownership dreams. It also provides refinance options, which allow homeowners to get cash out from their equity, lower their current interest rates, and reduce their monthly payments. Mario Espinoza, the company's broker, has been working in the industry for over 24 years.

License Verified:

License: 342949

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15322 Central Avenue, Chino, CA 91710
  • Refinance

Why choose this provider?

Mountain West Financial Inc is a mortgage brokerage firm that serves clients in Chino Hills. It works with clients who are looking to purchase or refinance a property. It offers a wide variety of loan programs, including FastForward, CalPATH, conventional, FHA, VA, jumbo, and USDA. It also provides down payment assistance programs and specialty programs for firefighters, teachers, veterans, and police officers. Mountain West Financial has been in the industry for over 30 years and gives back to the community through MWF CARES.

License Verified:

License: 164497

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (30)
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18201 Von Karman #300, Irvine, CA 92612
  • Refinance

Why choose this provider?

The American Dream Group offers a variety of mortgage solutions to individuals and families in the Chino Hills metro and the surrounding communities. Its loan programs include conventional, FHA, VA, and reverse mortgages. It helps people achieve their dream of acquiring single- and multi-family residences, manufactured homes, condominiums, or townhouses. The American Dream Group provides mortgage refinance, home equity, and debt consolidation options. To date, the company has funded over $150 million in loans. Nancy Preciado, its mortgage loan advisor, also assists Spanish-speaking clients.

License Verified:

License: 2091817

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12838 Central Avenue, Chino, CA 91710
  • Refinance
  • New Construction

Why choose this provider?

GEM Mortgage, Inc., caters to the needs of residential property buyers and owners in Chino Hills and the nearby areas. The lender offers clients various mortgage products, which include conventional, FHA, jumbo, and VA loans. Its loan specialists have experience assisting clients with loans for various types of properties, such as single-family homes, townhouses, condominiums, and high-rise condos. GEM Mortgage is a division of Golden Empire Mortgage, Inc., and has almost three decades of experience in the mortgage industry.

License Verified:

License: 247288

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.7 / 5 (32)
Google
5.0 / 5 (30)
Yelp
4.5 / 5 (14)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.