Expertise.com

2024

Last updated:

Best Mortgage Brokers in Chino, CA

Our Recommended Top 13

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 Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

33Reviewed

25Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9267 Haven Ave, 220, Rancho Cucamonga, CA 91730
WebsiteLicense: 1992428

Expertise.com Rating

Review Sources

Google
5.0 (6)
Zillow
5.0 (4)

Why choose this provider?

Isaac Sanchez of VirtuaLending is a mortgage broker that accommodates the home buying needs of residents, business owners, and real estate investors in Chino. He uses the core values he learned as a firefighter and an infantryman to guide clients through the loan process, providing advice based on their interests and circumstances. He offers traditional and non-QM mortgages, including FHA, jumbo, VA, and conventional loans. Sanchez is a member of the NAMB, MBA, and the Association of Independent Mortgage Experts.

  • Refinance

3190 Shelby Street Bldg A2, Ontario, CA 91764
WebsiteLicense: 1105497

Expertise.com Rating

Review Sources

Google
4.6 (21)

Why choose this provider?

Statewide Funding, Inc., is a mortgage broker company that has been helping clients attain homeownership in Chino since 2013. The company has more than 100 mortgage advisors offering hundreds of loan products, including FHA, VA, USDA Rural Development, and jumbo loans. It also offers second mortgages, home equity lines of credit, and superjumbo loans that cost up to $30 million. Statewide Funding is licensed in several states, such as Florida, Texas, California, Oregon, Arizona, and Maryland.

  • Refinance

14726 Ramona Ave 4th Fl, Chino, CA 91710
WebsiteLicense: 390767

Expertise.com Rating

Review Sources

Facebook
5.0 (13)

Why choose this provider?

TDR Mortgage is a full-service brokerage that helps Chino clients realize their dreams of home ownership. It aims to meet clients' needs through a variety of products—such as purchase, refinance, debt consolidation, and home equity loans—investment tools, and personal attention. It offers various rate options, such as fixed, adjustable, interest-only, and graduate payments. These are provided through several programs, including VA, FHA, USDA, HomePath, HARP, and jumbo. Raeline Lascano, TDR Mortgage owner and mortgage broker, has been in the industry since 1992.

  • Refinance

3200 East Guasti Road Suite 100, Ontario, CA 91761
WebsiteLicense: 1846010

Expertise.com Rating

Review Sources

Google
5.0 (33)
Zillow
4.9 (27)
Facebook
5.0 (22)

Why choose this provider?

BirdEye Loans, Inc., caters to first-time and experienced homebuyers in Chino. The mortgage brokerage firm has a variety of home loan programs, including adjustable-rate and fixed-rate options with terms ranging from 15 to 30 years. It provides loan updates and progress reports to help clients make informed financial decisions. In addition, it offers FHA loans for individuals looking to invest in properties with a consistent monthly payment. A client commended the company for checking with different lenders to offer a selection of loan products.

  • New Construction

1209 Nevada St. #200, Redlands, CA 92374
WebsiteLicense: 164497

Expertise.com Rating

Review Sources

Zillow
4.9 (720)
Google
5.0 (4)

Why choose this provider?

Mountain West Financial Inc is a company offering its services in Chino with over 30 years of experience in the financing industry. It's a mortgage broker company that offers clients its expertise in finding a lender and loan packages best suited for their needs. The company's other services include conventional loans, FHA, VA, jumbo, down payment mortgage, and energy-efficient mortgage expertise. Established in 1990, Mountain West Financial Inc provides advanced and user-friendly tools to get clients started in their loan pre-qualification and application process.

  • Refinance

12838 Central Ave, Chino, CA 91710
WebsiteLicense: 247288

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (17)
Yelp
4.5 (14)

Why choose this provider?

Eric Hasanoff offers mortgage broker services to clients in Chino. He operates under the Gem Mortgage banner and has reverse loan programs tailored to the needs of senior citizens. FHA streamline refinancing choices are available, and the agent also has 203k rehabilitation options. His website has tools and resources to inform readers about the process and financial aspects of buying houses. Eric Hasanoff has funded more than 1,000 loans. He gives back to the community by participating in the local Rotary Club.

  • Refinance

15338 Central Avenue, Chino, CA 91710
WebsiteLicense: 1878370

Expertise.com Rating

Review Sources

Zillow
5.0 (1)

Why choose this provider?

Elias Ramos caters to clients in the Chino metro and the surrounding areas. He is a loan officer from Empire Mortgage Solutions, Inc. He aspires to help individuals and families achieve their dream of homeownership and financial stability by educating them about the mortgage process. Ramos is able to assist both English- and Spanish-speaking customers. He learned the value of hard work and perseverance from his father who solely raised him and his three siblings.

  • New Construction

3220 Riverside Drive, Chino, CA 91710
WebsiteLicense: 315517

Expertise.com Rating

Review Sources

Facebook
4.6 (16)

Why choose this provider?

L.A. Financial Management & Services is a full service mortgage broker working to meet the financing needs of Chino residents. It specializes in providing loan options for first-time home buyers, helping them choose a suitable loan program. The company carries a range of mortgage rate options, from fixed rate to graduated payment plans. Its loan programs include FHA loans for clients looking for a minimal down payment, VA for military veterans, and USDA loans for homes located in rural areas.

  • Commercial Loans

13362 Emerald Way, Chino Hills, CA 91709
WebsiteLicense: 2004628

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

JBee Home Loans serves individuals and families across Chino and the neighboring cities. It offers mortgage loan programs to help clients purchase primary residences, investment properties, or vacation homes that fit their needs and goals, including multi-family, townhouse, condominium, and single-family. It guides individuals in the manual underwriting process to help them apply for a loan without a credit score. JBee Home Loans also keeps clients informed with housing marketing news and provides them with financial advice.

  • Refinance
  • New Construction

537 N. Euclid Ave Ste:100, Ontario, CA 91762
WebsiteLicense: 341129

Expertise.com Rating

Why choose this provider?

Raybon Mortgage is a brokerage firm that has been serving Chino and surrounding areas since 2000. Its team works with lenders to provide clients with funding for their purchase and refinancing needs. It offers conventional, FHA, and VA loans. Raybon Mortgage president Richard Centeno and vice president Thelma Centeno have a combined 45 years of experience in the industry. Thelma has experience handling reverse mortgages as well as alternative credit financing and credit enhancement options.

  • Refinance
  • New Construction

10737 Laurel St., Suite 135, Rancho Cucamonga, CA 91730
WebsiteLicense: 887278

Expertise.com Rating

Why choose this provider?

PRMG Rancho Cucamonga is a mortgage brokerage firm serving Chino. The company—a division of Paramount Residential Mortgage Group, Inc.—represents several lenders to provide clients with various program options and assist them in selecting the best mortgage for their needs. Its home loan products include conventional, Reverse, Jumbo, FHA, USDA, and VA mortgages. The franchise has served over 100,000 families across 49 states for over two decades. It also gives back to the local community through its 501(c)3 non-profit foundation, PRMG Cares.

  • Refinance

18201 Von Karman #300, Irvine, CA 92612
WebsiteLicense: 2091817

Expertise.com Rating

Review Sources

Google
4.0 (4)
Yelp
5.0 (2)

Why choose this provider?

American Dream Group is a brokerage company that serves the Chino metro. The company offers loan solutions to people who are looking for mortgage plans. Its services include refinance and home purchase options for various property types, such as condominiums, townhouses, and manufactured homes. The team also offers reverse mortgages for homeowners who are 62 years or older and are looking to take advantage of the equity in their homes. American Dream Group collaborates with Homefirst Mortgage Bankers to provide services.

  • Refinance

2621 Green River Rd #105-207, Corona, CA 92882
WebsiteLicense: 1212777

Expertise.com Rating

Review Sources

Google
5.0 (79)

Why choose this provider?

Crown Mortgage + Real Estate provides home financing assistance for residents in Chino and the surrounding locations. It offers various programs to cater to clients' unique needs, including jumbo and home equity loans and adjustable- and fixed-rate mortgages. The company also guides seniors through the process of applying for reverse mortgages and assists veterans looking to purchase VA loans. In addition, its construction loan helps clients finance new structure construction, covering both residential and commercial properties.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Isaac Sanchez
9267 Haven Ave, 220, Rancho Cucamonga, CA 91730
Statewide Funding Inc.
3190 Shelby Street Bldg A2, Ontario, CA 91764
TDR Mortgage
14726 Ramona Ave 4th Fl, Chino, CA 91710
BirdEye Loans, Inc.
3200 East Guasti Road Suite 100, Ontario, CA 91761
Mountain West Financial Inc
1209 Nevada St. #200, Redlands, CA 92374
Eric Hasanoff
12838 Central Ave, Chino, CA 91710
Elias Ramos
15338 Central Avenue, Chino, CA 91710
L.A. Financial Management & Services
3220 Riverside Drive, Chino, CA 91710
JBee Home Loans
13362 Emerald Way, Chino Hills, CA 91709
Raybon Mortgage
537 N. Euclid Ave Ste:100, Ontario, CA 91762
PRMG Rancho Cucamonga
10737 Laurel St., Suite 135, Rancho Cucamonga, CA 91730
American Dream Group
18201 Von Karman #300, Irvine, CA 92612
Crown Mortgage + Real Estate
2621 Green River Rd #105-207, Corona, CA 92882

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.