Expertise.com

2024

Last updated:

Best Mortgage Brokers in Fontana

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

63Reviewed

43Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
10557 Juniper Avenue, Fontana, CA 92337
  • Refinance

Why choose this provider?

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.

License Verified:

License: 8246

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.
4.0
Facebook
4.0 / 5 (20)

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
––

Website
8270 Aspen Avenue, Rancho Cucamonga, CA 91730
  • New Construction
  • Refinance

Why choose this provider?

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.

License Verified:

License: 362312

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.
4.0
Yelp
4.0 / 5 (54)
Google
4.0 / 5 (23)
Facebook
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2045 Compton Avenue, Corona, CA 92881
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 237598

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.
4.2
Google
4.0 / 5 (56)
Facebook
5.0 / 5 (9)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3281 East Guasti Road, Ontario, CA 91761
  • Refinance

Why choose this provider?

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.

License Verified:

License: 282618

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.
4.8
Google
5.0 / 5 (69)
Yelp
5.0 / 5 (56)
Facebook
4.0 / 5 (39)

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
12505 North Mainstreet, Rancho Cucamonga, CA 91739
  • Refinance
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 285504

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 (25)
Facebook
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
13295 Joliet Drive, Rancho Cucamonga, CA 91739
  • New Construction
  • Refinance

Why choose this provider?

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.

License Verified:

License: 01982735

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 (22)
Yelp
5.0 / 5 (20)
Facebook
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
4345 East Lowell Street, Ontario, CA 91761
  • New Construction
  • Refinance

Why choose this provider?

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.

License Verified:

License: 1625398

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
4.8 / 5 (26)
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (19)

(+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
9121 Haven Avenue, Rancho Cucamonga, CA 91730
  • Refinance
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1812241

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 (19)
Yelp
5.0 / 5 (19)

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
9431 Haven Avenue, Rancho Cucamonga, CA 91730
  • Refinance
  • Purchase Transactions

Why choose this provider?

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.

License Verified:

License: 354667

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 (12)

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
3873 Schaefer Avenue, Chino, CA 91710
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 1672634

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 (33)
Google
5.0 / 5 (19)
Facebook
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
9267 Haven Avenue, Rancho Cucamonga, CA 92336
  • Multi-Family Loans

Why choose this provider?

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.

License Verified:

License: 2015906

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.
4.7
Google
4.5 / 5 (36)
Facebook
5.0 / 5 (20)
Yelp
4.4 / 5 (8)

(+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
8463 Haven Avenue, Rancho Cucamonga, CA 91730
  • Refinance
  • Purchase Transactions

Why choose this provider?

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.

License Verified:

License: 1850

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.
4.0
Google
4.0 / 5 (19)

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
6370 Magnolia Avenue, Riverside, CA 92506
  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Why choose this provider?

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.

License Verified:

License: 135932

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 (256)

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
––

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.