Best Mortgage Refinance Companies in Chino

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ACC Mortgage Lending logo
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License: 1907315

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ACC Mortgage Lending

3551 Voyager Street Ste. 104, Torrance, CA 90503
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  • New Construction

Business Description

ACC Mortgage Lending provides personalized financing solutions to homebuyers in Chino. By refinancing loans, it helps people save money with lower monthly payments and rates or cash out from their homes’ equity. Before searching for homes, mortgage loan officer Flavio Berny enables borrowers to know how much they can afford by reviewing their debt-to-income ratio. He offers options based on clients’ unique criteria and scenarios, choosing from among ARM, conforming, FHA, jumbo, USDA, and VA programs.

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License: 1907315

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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
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ACC Mortgage Lending

Centerpointe Financial, Inc. logo
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License: 37326

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Centerpointe Financial, Inc.

Chino, CA
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  • New Construction

Business Description

Centerpointe Financial, Inc., has been serving Chino residents since 1994. It offers refinance options to borrowers, whether they intend to invest in home upgrades or consolidate their loans, through its connections with numerous lenders that provide wholesale rates. Before running customers through the application or credit check process, its loan advisers evaluate their situation first to determine if and how they can benefit from a refinance. Centerpointe Financial is a small company comprising father-and-son mortgage professionals Mike and Dan McGirr.

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License: 37326

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
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5.0 / 5 (4)

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Centerpointe Financial, Inc.

CityFund Mortgage logo
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License: 270306

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CityFund Mortgage

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

Business Description

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.

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License: 270306

Nationwide Multistate Licensing System and Registry

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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CityFund Mortgage

Evans Financial Network logo
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License: 256237

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Evans Financial Network

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

Business Description

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.
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5.0 / 5 (3)
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Evans Financial Network

Loanfinder logo
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License: 311102

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Loanfinder

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

Business Description

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.

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License: 311102

Nationwide Multistate Licensing System and Registry

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Loanfinder

Mountain West Financial Inc logo
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License: 164497

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Mountain West Financial Inc

15322 Central Avenue, Chino, CA 91710
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  • New Construction

Business Description

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.

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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
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5.0 / 5 (7)
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5.0 / 5 (4)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Mountain West Financial Inc

Omniscient Capital Mortgage logo
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License: 854978

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Omniscient Capital Mortgage

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

Business Description

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.

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License: 854978

Nationwide Multistate Licensing System and Registry

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Omniscient Capital Mortgage

Patricia Claproth logo
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License: 357347

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Patricia Claproth

905-907 N Grand, Covina, CA 91724
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  • Reverse Mortgages

Business Description

Patricia Claproth is a mortgage planning professional at American Advisors Group. She serves a range of Chino-based clients, from adult children and senior citizens to trusted advisors and professionals, like tax specialists and real estate agents. Claproth helps customers finance their home improvement needs and lower their monthly mortgage payments by providing various refinance programs, such as FHA streamline, jumbo, VA, rate-and-term, and cash-out refinance. American Advisors Group is a member of the National Reverse Mortgage Lenders Association.

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License: 357347

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.
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Patricia Claproth

Patrick Collins logo
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License: 1628553

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Patrick Collins

18071 Fitch Suite 200, Irvine, CA 92614
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Business Description

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.
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Patrick Collins

Prominence Funding logo
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License: 1658251

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Prominence Funding

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

Business Description

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 (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.
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Prominence Funding

Raeline Lascano logo
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License: 243138

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Raeline Lascano

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

Business Description

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 (14)

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.
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Raeline Lascano

Robin Beamon logo
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License: 1000252

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Robin Beamon

907 N Grand Ave, Covina, CA 91724
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  • New Construction
  • Reverse Mortgages

Business Description

Robin Beamon of American Advisors Group caters to the lending needs of borrowers in Chino and the nearby areas. He works with individuals, particularly senior citizens, who wish to improve their financial conditions and achieve better retirement by refinancing their present mortgages or funding their needs. He also assists clients in selecting from various program options, including HARP 2.0, FHA Streamline, and HECM. These programs allow clients to modify rates or terms, fund home renovations, consolidate debts, and cash out home equity.

License Verified:

License: 1000252

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.
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Robin Beamon

Top Loan Fundings logo
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License: 1943565

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Top Loan Fundings

Chino, CA
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Business Description

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.
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Top Loan Fundings

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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