Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Chino

Our Recommended Top 11

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

55Reviewed

37Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
15322 Central Avenue, Chino, CA 91710
  • New Construction

Why choose this provider?

Mountain West Financial, Inc., is a mortgage brokerage firm that caters to the residents of Chino. It provides refinancing services to families seeking payment rate adjustments for their residential properties. Additionally, it helps new homebuyers by offering various assistance programs, like FHA, VA, USDA, jumbo, conventional, and FastForward loans. These services also include downpayment assistance for clients who want to secure residences faster. The company has been assisting people throughout California for over 30 years.

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
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4195 Chino Hills Pkwy #469, Chino Hills, CA 91709
  • Reverse Mortgages
  • New Construction

Why choose this provider?

CityFund Mortgage is a Chino Hills-based company that deals with clients across the Chino metro. It has experience helping owners of townhouses, manufactured homes, and condominiums in refinancing their mortgages. The company offers an online refinance calculator that allows clients to visualize their long-term financial situation. It also provides jumbo loans for borrowers seeking to purchase properties in high-cost communities. Other financing solutions include loans backed by various government agencies, including the VA, FHA, and USDA.

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
Chino, CA

Why choose this provider?

Top Loan Fundings offers custom lending and refinancing choices to residential and commercial applicants in Chino. The agency's staff recommends specific programs based on each client's income and credit situation, as well as their long-term goals like debt consolidation. Its refinancing plans also offer cash-out opportunities to help individuals and families fund domestic initiatives, like education and home improvements. Top Loan Fundings guide people in choosing their preferred loans using comprehensive assessments of local rates and firsthand reports on real estate prices and conditions.

License Verified:

License: 1943565

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
  • New Construction

Why choose this provider?

Raeline Lascano of TDR Mortgage serves the Chino metro and the surrounding communities. She helps owners of single- and multi-family homes, manufactured homes, townhouses, and condominiums with their refinancing needs. Raeline offers local borrowers a wide array of options, including FHA Cash-out, VA Streamline, USDA Streamline, and FHA 203k refinance options. Clients can also turn to her for the Home Affordable Refinance Program. In addition, Raeline helps home buyers realize their dreams of homeownership through mortgage solutions tailored to their financial situation.

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
20955 Pathfinder Rd. #100, Diamond Bar, CA 91765
  • New Construction

Why choose this provider?

Since 2000, Loanfinder has been supporting the funding needs of potential homebuyers in Chino. It offers residential or commercial purchase, conventional, refinance, and federal-sponsored loans that match clients' financial profiles and goals. The mortgage broker also assists self-employed borrowers needing light documentation requirements instead of presenting proof of income, bank statements, and insurance. Company founder and Realtor Mary Margedant guides clients through their mortgage journey by processing pre-qualification screening, providing loan estimates, explaining terms and rates, and documenting changes.

License Verified:

License: 311102

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
1822 E Route 66, A, Glendora, CA 91740
  • New Construction

Why choose this provider?

Prominence Funding is a lending company offering services in Chino and the surrounding areas. It helps homeowners who wish to lower loan interest rates, change mortgage type or term length, or utilize home equity by applying for a refinancing program. The firm's lending specialists advise clients about the requirements and walk them through the process. Some of the other loan programs available are non-QM, reverse, commercial, conventional, and foreign national mortgages. Prominence Funding started serving clients and providing mortgage solutions in 2021.

License Verified:

License: 1658251

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 (8)
Yelp
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
14718 Pipeline Avenue, Chino Hills, CA 91709
  • New Construction

Why choose this provider?

Gem Mortgage Chino Hills serves house buyers in the metro who need to refinance their current obligations or obtain new loans for upcoming purchases. It has online tools and resources to educate consumers on the various aspects of each program. These mortgage choices include adjustable-rate plans and FHA-backed options for those who need reduced rates or lack the qualifications needed for competing products. GEM Mortgage is led by Howard Kootstra, who has been in the lending field for over 35 years.

License Verified:

License: 153890

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 (35)

Website
Chino, CA
  • Reverse Mortgages

Why choose this provider?

Tailored Home Loans is a brokerage company that responds to the mortgage needs of clients in Chino. It provides loans with short- or long-term durations, fixed or adjustable interest rates, and both. Its team also has access to the top mortgage lenders and their programs, including conventional loans, loans through veteran affairs, and loans for senior citizens with reverse mortgages. The company's mortgage specialists have more than 15 years of business experience and are knowledgeable about the housing market in California.

License Verified:

License: 902635

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 (5)

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
615 Smoketree Dr, La Verne, CA 91750
  • Reverse Mortgages

Why choose this provider?

Evans Financial Network provides mortgage refinancing services to clients in Chino. Its team walks clients through the process of refinancing and helps them find a program with either fixed or adjustable rates and terms that last from five to 30 years. The agency extends its services to clients looking for conforming, jumbo, super jumbo, VA, FHA, and USDA loans. Evans Financial Network helps clients through the home refinance process using various tools, including refinance analysis reports.

License Verified:

License: 256237

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 (5)
Google
5.0 / 5 (3)

Website
4110 Edison Ave Ste. 203A, Chino, CA 91710
  • New Construction

Why choose this provider?

Omniscient Capital Mortgage helps individuals obtain their dream homes through refinancing solutions in Chino. It works to reduce interest rates, consolidate debts, or cash out equity for home improvement projects. It has cash-out refinancing options for various properties, such as condominiums, townhouses, single-family homes, and multi-family units. Its programs include VA, jumbo, and FHA loans with terms ranging from 10 to 30 years. The firm also caters to the mortgage needs of first-time home buyers and investors.

License Verified:

License: 854978

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
18071 Fitch Suite 200, Irvine, CA 92614

Why choose this provider?

Patrick Collins is a mortgage advisor at E Mortgage Capital, offering home loan options to individuals and families in Chino. He helps clients seeking to refinance their existing mortgages to lower monthly interests and rates, restructure their current terms, and withdraw cash from equity. He also assists aspiring homebuyers with various mortgage programs, such as conforming, jumbo, FHA, and VA loans. Collins has over 20 years of real estate investing experience in addition to his lending expertise.

License Verified:

License: 1628553

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

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • How common is mortgage refinancing in Chino?

    Since 2022, Chino and the rest of the Inland Empire have seen 78% fewer mortgage refinances and 127% more equity loans. Home purchase loans in the metro are also down by 49%. In fact, California is seeing its biggest 12-month drop on record, with 63% fewer mortgages taken out in the same year.

  • Should MyHome Assistance borrowers in Chino refinance their homes?

    Those in Chino who bought their homes through the California Housing Finance Agency’s MyHome Assistance Program should only refinance their homes if they are ready to pay back the loan in full. The same goes for borrowers looking to move, sell, or otherwise change the ownership of their home. The program lends up to $15,000 for down payment and closing costs.

  • What documents do Chino self-employed individuals need to refinance?

    Self-employed individuals in Chino looking to refinance their mortgages will need to submit two years of their most recent personal and business tax returns. They may also need to provide profit and loss statements, as well as additional income documentation such as those involving their liquid assets, rental property, or partnership income.

  • What documents are needed for a Chino streamline refinance?

    An FHA or VA streamline refinance in Chino does not require income documentation nor do borrowers need to get their home appraised. There are also no credit check requirements needed for a VA streamline refinance. Meanwhile, those who are refinancing conventional mortgages need to submit income documentation, such as W-2 forms and paystubs.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.