Expertise.com

Best Mortgage Brokers in Chino

2024

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Website
9267 Haven Ave, 220, Rancho Cucamonga, CA 91730
  • Refinance

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.

License Verified:

License: 1992428

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 (6)
Zillow
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

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.

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.
4.6
Facebook
4.6 / 5 (16)

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
3190 Shelby Street Bldg A2, Ontario, CA 91764
  • Refinance

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.

License Verified:

License: 1105497

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.
4.6
Google
4.6 / 5 (21)

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
13362 Emerald Way, Chino Hills, CA 91709
  • Refinance
  • New Construction

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.

License Verified:

License: 2004628

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 (30)

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
2621 Green River Rd #105-207, Corona, CA 92882
  • New Construction
  • Refinance

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.

License Verified:

License: 1212777

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 (79)

Website
10737 Laurel St., Suite 135, Rancho Cucamonga, CA 91730
  • Refinance

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.

License Verified:

License: 887278

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

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

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.

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
14726 Ramona Ave 4th Fl, Chino, CA 91710
  • Refinance

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.

License Verified:

License: 390767

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)

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
537 N. Euclid Ave Ste:100, Ontario, CA 91762
  • Refinance
  • New Construction

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.

License Verified:

License: 341129

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
3200 East Guasti Road Suite 100, Ontario, CA 91761
  • New Construction

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.

License Verified:

License: 1846010

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 (33)
Zillow
4.9 / 5 (27)
Facebook
5.0 / 5 (22)

(+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

Website
12838 Central Ave, Chino, CA 91710
  • Refinance

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.

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.
4.9
Google
5.0 / 5 (54)
Facebook
5.0 / 5 (17)
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

Website
15338 Central Avenue, Chino, CA 91710
  • New Construction

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.

License Verified:

License: 1878370

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 (1)

Website
1209 Nevada St. #200, Redlands, CA 92374
  • Refinance

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.

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.
4.9
Zillow
4.9 / 5 (720)
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
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Frequently Asked Questions

  • 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.