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Best Mortgage Brokers in Ontario, CA

Our Recommended Top 17

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

58Reviewed

41Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8463 Haven Avenue, Rancho Cucamonga, CA 91730
WebsiteLicense: 1723085

Expertise.com Rating

Review Sources

Zillow
4.9 (69)
Google
4.5 (36)
Facebook
4.8 (17)

Why choose this provider?

The Brandon Drew Group is a mortgage firm that aids clients in residential lending in Ontario. It offers several loan options for clients who want to purchase their first, second, or investment residential property. These include VA loans for individuals who served in the army, air force, navy, and coast guard, as well as their surviving spouses. It also guides clients who need down payment assistance by offering CalHFA, GSFA Platinum, FHA, conventional, and USDA loan options.

  • New Construction
  • Refinance
  • Purchase Transactions

3602 Inland Empire Blvd Ste B140 Ontario , CA 91764, Eastvale, CA 91764
WebsiteLicense: 256546

Expertise.com Rating

Why choose this provider?

The Master's Realty and Loans is a California mortgage brokerage founded by Keith O'Brien, serving families and individuals in the Ontario and Eastvale areas. Keith is a seasoned real estate and mortgage broker who carries over two decades of experience in the real estate industry. He is equipped to help clients tackle complex mortgage and real estate requirements, including property buying and selling, refinance and purchase mortgages, and property selling and leasing. Additionally, clients may download Keith's Homesnap app through the company website.

  • Refinance

1342 East Chapman Avenue, Orange, CA 92866
WebsiteLicense: 1126356

Expertise.com Rating

Review Sources

Zillow
5.0 (38)
Yelp
5.0 (1)

Why choose this provider?

Mark 1 Mortgage is a mortgage firm offering a wide array of loan products and investment tools to Ontario customers. It creates home loans tailored to clients' home purchasing and refinancing needs. Its mortgage rate options include fixed-rate, adjustable ARM, interest-only, and graduated payments. Additionally, it welcomes homebuyers to submit online loan applications or pre-qualification for home loans on its secured website. The company is affiliated with The Office of Fair Housing and Equal Opportunity.

  • Refinance

3155 Sedona Court, Ontario, CA 91764
WebsiteLicense: 1378789

Expertise.com Rating

Review Sources

Zillow
5.0 (50)
Facebook
5.0 (17)
Google
3.0 (2)

Why choose this provider?

Fund Rite Mortgage is a mortgage broker that caters to clients in Ontario and its nearby communities. It offers a wide range of mortgage rate options, including adjustable ARM, fixed-rate, graduated payments, and interest-only. Moreover, it also provides loan program options, such as FHA, jumbo, USDA, and VA. Fund Rite Mortgage is focused on customer service, with its website having a feature where customers can submit loan applications and pre-qualify for a home loan.

  • New Construction

3400 Inland Empire Boulevard, Ontario, CA 91764
WebsiteLicense: 326625

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Yelp
5.0 (2)

Why choose this provider?

Fidelity Bancorp is a mortgage brokerage firm that serves clients in Ontario. It provides a wide range of loan programs for homeowners and homebuyers, including fixed-rate mortgage loans, adjustable-rate mortgage loans, mortgage refinancing, and reverse mortgages. It specializes in helping borrowers get qualified for loan programs by offering tips on saving for the down payment and providing a closing cost estimate. Fidelity Bancorp loan originators Michelle Puskas and Pierre Tawil have 45 years of combined experience in the real estate industry.

  • Refinance

99 East C Street, Upland, CA 91786
WebsiteLicense: 1473429

Expertise.com Rating

Review Sources

Yelp
5.0 (125)
Google
5.0 (65)
Facebook
5.0 (54)

Why choose this provider?

Full Circle Home Loans is a mortgage broker that serves clients in Ontario. The company offers several mortgage loan options for home buyers and investors who are planning to own a vacation property, including conventional loan programs, FHA loans, VA loans, jumbo loans, new construction loans, and rural development loans. It also caters to the mortgage needs of public sector workers, such as firefighters, police officers, teachers, and veterans. Mortgage broker Seth Anapolsky is the owner of the company.

  • Refinance

4345 East Lowell Street, Ontario, CA 91761
WebsiteLicense: 1625398

Expertise.com Rating

Review Sources

Google
5.0 (20)
Yelp
5.0 (12)
Facebook
5.0 (8)

Why choose this provider?

Firm Foundation Finances Inc. is a team of mortgage brokers that works with homebuyers and investors in the Ontario area. Whether clients seek to purchase VA, FHA, or conventional loans, they assist in the mortgage process. In addition, home loan specialists help homeowners with their refinancing needs. Firm Foundation Finances is owned by Karen Urrutia, a mortgage broker with nearly two decades of real estate experience and a master's degree in finance.

  • Refinance

3333 Concours Street, Ontario, CA 91764
WebsiteLicense: 1858778

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (5)

Why choose this provider?

Encore Mortgage is a brokerage company in Ontario that helps customers get the right home purchase and refinancing loans for themselves. Its wide range of loan options includes FHA, VA, USDA, and jumbo loans. The company also offers 15-year fixed, 30-year fixed, adjustable-rate, and reverse mortgages. The company's goal is to make getting a mortgage easier, so its team of brokers assists customers to shop and choose the loan that best fits their needs and goals.

  • Refinance

6080 Hamner Ave., Eastvale, CA 91752
WebsiteLicense: 1192399

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Yelp
4.6 (11)
Google
5.0 (9)

Why choose this provider?

Griggs Mutual Realty & Management caters to individuals and families in Ontario and the surrounding communities. It offers mortgage broker services, assisting clients in purchasing homes, consolidating debts, and refinancing existing mortgages. With different loan options, such as FHA, VA, reverse mortgage, jumbo, home equity, and cash out, the company provides various solutions to financing needs. Additionally, it helps rental homeowners manage their properties with tenant screenings and credit checks, tenant placement, and rent collection.

  • New Construction
  • Refinance

188 D Street, Upland, CA 91786
WebsiteLicense: 267236

Expertise.com Rating

Review Sources

Yelp
5.0 (28)
Facebook
5.0 (27)
Zillow
5.0 (9)

Why choose this provider?

Teresa Tims is a mortgage broker serving clients across the Ontario area and its surrounding communities. She serves as president of TDR Mortgage, offering clients various home loan options including fixed-rate and adjustable-rate mortgages, VA, FHA, 203K, and jumbo loans. In addition to her career in mortgage, Teresa is also a licensed real estate broker. With industry experience spanning over two decades, she has closed more than 1,800 transactions in mortgage and real estate. Teresa is a member of the Association of Independent Mortgage Experts.

  • Refinance

1119 South Milliken Avenue, Ontario, CA 91761
WebsiteLicense: 1203707

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
3.4 (5)
Yelp
5.0 (1)

Why choose this provider?

Golden Coast Mortgage has three decades of experience in the industry. Its team of loan officers provides home financing services in Ontario. They assist clients by walking them through the lending process and in selecting the loan program that best meets their financial objectives and situation. Their loan products include FHA loans and adjustable- and fixed-rate mortgages. Aside from standard loans, the professionals also offer other financing options, such as their GEM platinum program. Golden Coast Mortgage also has a downpayment assistance tool.

  • Refinance

3200 East Guasti Road, Ontario, CA 91761
WebsiteLicense: 1846010

Expertise.com Rating

Review Sources

Facebook
4.7 (15)
Yelp
5.0 (9)

Why choose this provider?

BirdEye Loans, Inc., is a team of mortgage professionals that serves Ontario homebuyers. They specialize in financing residential properties across the Inland Empire area, assisting clients in finding home loans that match their unique needs. The company is headed by John Abril, a mortgage broker who has been serving first-time homebuyers, veterans, and homeowners seeking to upgrade their dwelling places for the past 19 years. He has access to numerous programs, and he has experience in underwriting FHA DE loans.

537 North Euclid Avenue, Ontario, CA 91762
WebsiteLicense: 341129

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Raybon Mortgage has been in the real estate mortgage business for over 20 years. It is led by mortgage broker Richard Centeno and senior mortgage loan originator Thelma Centeno. The company assists clients in Ontario, Riverside, and surrounding areas to tap into loan programs for the purchase of their new homes or for refinancing existing mortgages. Raybon Mortgage specializes in offering conventional, FHA, and VA loans. It also provides alternative credit financing and credit enhancement options.

  • New Construction

2191 5th Street, Norco, CA 92860
WebsiteLicense: 355198

Expertise.com Rating

Review Sources

Yelp
5.0 (34)
Facebook
5.0 (26)
Google
5.0 (23)

Why choose this provider?

RAzone Mortgage Group is a comprehensive brokerage firm serving Ontario and its surrounding areas. It assists clients who plan to purchase new homes, refinance an existing mortgage, or reduce monthly rates. The firm provides home loan options ranging from conventional and jumbo to VA and FHA. Its refinancing services include loan programs such as HARP, FHA streamline, cash-out, and 203k. VA cash-out and streamline refinancing are also available. RAzone Mortgage Group has funded $150 million worth of loans since it started.

  • Refinance

6528 Greenleaf Avenue, Whittier, CA 90601
WebsiteLicense: 1041

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (1)

Why choose this provider?

Summit Mortgage Corporation is a mortgage brokerage that crafts home financing solutions and loan programs to clients looking to buy properties or refinance their mortgages in the Ontario metro. The company has been in business since 1992 and offers a variety of loan programs such as government loans, jumbo loans, adjustable-rate mortgages, and downpayment assistance programs. Summit Mortgage Corporation is currently headed by Steve Brown, a civil engineer who started his career as a loan officer in 2009.

  • Refinance

2335 Foothill Boulevard, Upland, CA 91786
WebsiteLicense: 299844

Expertise.com Rating

Review Sources

Yelp
5.0 (29)
Facebook
5.0 (8)

Why choose this provider?

Tri-Star Home Loans is a mortgage firm that aims to serve customers in Ontario with integrity, honesty, and competence. Its owner and broker, Cary McCaslin, has made it her personal mission to help borrowers achieve the dream of owning a home by providing home loan options with reasonable closing costs and interest rates. The company's loan process begins by calculating the client's buying power to pre-qualify for any loan. Pre-qualifications are based on the client's LTV and debt-to-income ratios, self-employed borrower, source of down payment, and credit score.

  • Refinance

188 D Street, Upland, CA 91786
WebsiteLicense: 390767

Expertise.com Rating

Review Sources

Yelp
4.0 (38)
Facebook
4.0 (31)

Why choose this provider?

TDR Mortgage is a brokerage company serving clients in Ontario and the rest of Southern California. It assists clients in finding home loan options for refinancing and new home purchases. The company offers a range of loan types, from conventional and jumbo loans to FHA, VA, and USDA loans. Reverse mortgage is also available. The firm's president, Teresa Tims, has been working in the mortgage industry since 1998. She also has experience in real estate and property management as well as real estate investment.

  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
The Brandon Drew Group
8463 Haven Avenue, Rancho Cucamonga, CA 91730
The Master's Realty and Loans
3602 Inland Empire Blvd Ste B140 Ontario , CA 91764, Eastvale, CA 91764
Mark 1 Mortgage
1342 East Chapman Avenue, Orange, CA 92866
Fund Rite Mortgage
3155 Sedona Court, Ontario, CA 91764
Fidelity Bancorp
3400 Inland Empire Boulevard, Ontario, CA 91764
Full Circle Home Loans - Upland
99 East C Street, Upland, CA 91786
Firm Foundation Finances
4345 East Lowell Street, Ontario, CA 91761
Encore Mortgage
3333 Concours Street, Ontario, CA 91764
Griggs Mutual Realty & Management
6080 Hamner Ave., Eastvale, CA 91752
Teresa Tims
188 D Street, Upland, CA 91786
Golden Coast Mortgage
1119 South Milliken Avenue, Ontario, CA 91761
BirdEye Loans, Inc.
3200 East Guasti Road, Ontario, CA 91761
Raybon Mortgage
537 North Euclid Avenue, Ontario, CA 91762
RAzone Mortgage Group
2191 5th Street, Norco, CA 92860
Summit Mortgage Corporation
6528 Greenleaf Avenue, Whittier, CA 90601
Tri-Star Home Loans
2335 Foothill Boulevard, Upland, CA 91786
TDR Mortgage
188 D Street, Upland, CA 91786

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.