Best Mortgage Brokers in Fontana

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Last updated: September 24, 2022

American Mortgage Services Co.

10557 Juniper Avenue, Fontana, CA 92337

Refinance

American Mortgage Service Co. provides clients in Fontana and its surrounding areas with home purchasing solutions. Its loan products include conventional, FHA, USDA Rural Development, and VA loans. The company also offers reverse mortgage loans, state mortgage loan programs, mortgage lending, and refinancing. Its team of loan professionals assists in the pre-approval, pre-purchase counseling, home searching, and loan closing processes. American Mortgage Service has been rendering its services to homebuyers for over 45 years.

Empire Mortgage Solutions

3873 Schaefer Avenue, Chino, CA 91710

New Construction
Refinance
Reverse Mortgages

Empire Mortgage Solutions is a Chino-based company that also serves the mortgage needs of Fontana residents. It has been helping its clients for over 20 years in matters related to home refinancing, home purchases, and reverse mortgages. Moreover, Empire Mortgage manages single- and multi-family homes, townhouses, condos, and manufactured homes. Through its resources, clients can pre-qualify for a home loan or attain a loan application. Empire Mortgage Solutions is committed to offering its services with respect and integrity.

Firm Foundation Finances

4345 East Lowell Street, Ontario, CA 91761

New Construction
Refinance

Firm Foundation Finances is a mortgage company located in Fontana. Its mortgage services cover home loans and refinancing to lessen the burden of mortgage payments. Its refinancing programs include FHA, VA loans, cash-out and conventional programs that let clients accelerate their equity and pay off their loans faster. Foundation Finances is ultimately aimed at first-time purchasers and presents them with a wide range of mortgage options. Its founder and president, Karen Urruita, have over two decades of experience in the real estate industry.

First Lending Solutions

6370 Magnolia Avenue, Riverside, CA 92506

Refinance
Reverse Mortgages
Purchase Transactions

First Lending Solutions is a full-service mortgage broker providing services for Fontana residents. This company helps clients qualify for multiple mortgage options by providing mortgage qualifiers, assessing each client based on current capabilities, and providing offers that are appropriate for their needs. Its mortgage options include 30-year and 15-year fixed mortgages as well as adjustable-rate and reverse mortgage options. It also offers FHA, VA, jumbo, 203k, and USDA loans. Additionally, First Lending Solutions provides refinancing and home purchase loans.

Gem Mortgage

3281 East Guasti Road, Ontario, CA 91761

Refinance

Gem Mortgage provides customers in Fontana and its neighboring communities with a variety of financial services. It offers conventional, FHA, VA, and jumbo loan programs. In addition, the company has other options like adjustable-rate mortgage and fixed-rate mortgage. Its available services also include down payment assistance, state and local housing, and extra credit teacher home purchase programs. Gem Mortgage’s team incorporates mortgage banking with customer service, integrity, experience, and results that are customized to the clients' needs.

Global Mortgage

12505 North Mainstreet, Rancho Cucamonga, CA 91739

Refinance
Reverse Mortgages

Global Mortgage provides financing assistance for borrowers in Fontana. Whether clients are purchasing homes or refinancing outstanding mortgages, it offers a broad range of loan options, such as FHA 203k, USDA, VA, conventional, and reverse mortgages. In addition, the company helps its clients apply for down payment assistance programs. Global Mortgage is headed by Vicky Kelly, a mortgage professional with a decade of experience who, prior to venturing into lending, worked as a real estate agent for over three decades.

Global Mortgage

12505 North Mainstreet, Rancho Cucamonga, CA 91739

Refinance
Reverse Mortgages

Global Mortgage is a mortgage brokerage company that offers a wide range of loan options in the Fontana metro. The company partners with over 100 investors to assist clients in choosing the appropriate mortgage plans for their needs and financial capacities. Global Mortgage offers cash-out refinancing and government loans such as VA loans, FHA loans, FHA or VA streamline refinancing, and reverse mortgages with different terms and years of a contract that all depend on the client's preferences.

James Taverner

13295 Joliet Drive, Rancho Cucamonga, CA 91739

New Construction
Refinance

James Taverner is a mortgage broker and senior loan originator for Lunar Home Loans. He provides services for the home purchasing or refinancing needs of clients in Fontana. He also helps clients seeking cash-out for their properties. James is an independent agent who works with over 70 lenders across the country. He assists clients in searching through different loan options and securing the coverage that meets their mortgage needs. Clients praised his industry knowledge and transparency.

ML Mortgage Corp

8270 Aspen Avenue, Rancho Cucamonga, CA 91730

New Construction
Refinance

ML Mortgage Corp is a local mortgage company that has been serving the Fontana community since 2007. It assists individuals in determining the type of loan program they need, whether they are planning to purchase a home, refinancing to obtain a lower interest rate, or transitioning from an adjustable-rate mortgage to a fixed-rate mortgage. With more than 55 years of combined industry experience, its team specializes in different types of loan options, such as FHA, VA, jumbo, and conventional.

Pacific Mortgage Group

2045 Compton Avenue, Corona, CA 92881

Reverse Mortgages

Founded in 2006, Pacific Mortgage Group is a brokerage firm that serves clients in and around Fontana. It offers home purchase and refinance loan programs such as conventional, FHA, VA, reverse, and cashout refinance mortgages. It has partnered with over 100 lenders, including UWM, Flagstar Bank, and Quicken Loans, to offer the aforementioned mortgage options. Pacific Mortgage Group's team is led by Raeda Jaber who has been in the lending industry for more than 15 years.

Rancho Capital Home Loans

9121 Haven Avenue, Rancho Cucamonga, CA 91730

Refinance
Reverse Mortgages

The Rancho Capital Home Loans mortgage professionals assist Fontana homebuyers in applying for different types of loans, from jumbo and adjustable-rate mortgages to FHA, HARP, and VA loans. Furthermore, they offer fixed-rate mortgages in 15-year and 30-year terms. The home loan specialists also assist seniors in applying for reverse mortgages. Additionally, they guide homeowners with the refinancing process. Rancho Capital Home Loans has been providing financing solutions for more than two decades.

Reverse Mortgage California

9125 Archibald Avenue, Rancho Cucamonga, CA 91730

Reverse Mortgages

Reverse Mortgage California is a brokerage firm that serves Fontana and the surrounding areas. Its primary service allows homeowners aged 62 years or older to create cash liquidity out of their home equity through a reverse mortgage program. This also allows senior citizens to have a supplemental income aside from their fixed retirement income to pay for medical bills, other daily expenses, or improve their quality of life. Additionally, borrowers are protected from market decline and their social security benefits will not be affected.

Steve Chavarria

9431 Haven Avenue, Rancho Cucamonga, CA 91730

Refinance
Purchase Transactions

Steve Chavarria, a senior loan officer at NexxMortgage Premier Mortgage Group, provides a range of solutions to the financing needs of new and seasoned investors within the Fontana metro. He offers conventional, government, and hard money loan programs. With over 17 years of combined experience, his team is committed to upholding transparency and accessibility by utilizing a presentation analysis tool and assigning a personal portal to every client. Chavarria also offers refinancing and mortgage planning services.

The Brandon Drew Group

8463 Haven Avenue, Rancho Cucamonga, CA 91730

Refinance
Purchase Transactions

The Brandon Drew Group is a mortgage firm that caters to clients in the Fontana metro. It is a family-run business that has handled over 1000 loans. It offers a variety of loan programs including VA, FHA, and conventional. It has innovative in-house programs to serve specific mortgage needs. Options for down payment assistance are also available. It provides an online portal for home loan applications as well. The Brandon Drew Group works with first-time homebuyers, existing homeowners, and new investors.

Virtualending

9267 Haven Avenue, Rancho Cucamonga, CA 92336

Multi-Family Loans

VirtuaLending is a homeowner resource that aims to break the standards of modern mortgage lending and is focused on providing quality services. Its loan programs include fixed- and adjustable-rate mortgages, jumbo loans, hybrid ARMs, FHA and VA loans, and reverse and graduated mortgages. It also strives to assist its clients in buying and refinancing homes without taking much of their time and energy so that they can evaluate their financing options and apply for a loan online.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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