Best Mortgage Brokers in Ontario

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Last updated: October 6, 2022

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Agave Home Loans

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040

Refinance

Agave Home Loans is a mortgage broker that caters to clients in the Ontario area. It assists individuals in choosing loan options, including VA, FHA, conventional, and non-qualifying mortgage loans, from a selection of lenders. It educates them in navigating the loan application process to help them select the options that suit their needs. The company has been offering home loans and refinancing services since 2020. Doug Wang, the COO of Agave Home Loans, has been in the mortgage industry for over seven years before joining the company.

Adequate Mortgage Service

5082 Trail Canyon Drive, Mira Loma, CA 91752

Refinance
Reverse Mortgages

Adequate Mortgage Service is a mortgage brokerage company serving Ontario and surrounding areas. The company advises clients on suitable options based on their unique circumstances and connects them to the appropriate conventional, FHA, VA, and reverse mortgage providers. Its specialists can also be consulted for options in using home equity or investment property as a remedy for bad credit. Adequate Mortgage has a relationship with private investors who can issue private home equity loans with fast approvals and without FICO restrictions.

Allied Equity

400 North Mountain Avenue, Upland, CA 91786

New Construction
Refinance

Allied Equity is an Upland-based mortgage company that extends its services to individuals in the Ontario metro. It provides a range of loan programs such as FHA, VA, and USDA loans. Other loan services include fixed-rate, adjustable-rate, interest-only, and reverse mortgages loans. The company also assists clients with their home refinancing and equity, including single- and multi-family homes, condominiums, townhouses, and manufactured homes. Allied Equity's owner, Joe Sanchez, has been in the real estate and mortgage finance industry for more than 24 years.

BirdEye Loans, Inc.

3200 East Guasti Road, Ontario, CA 91761

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.

California Financial Center

3200 East Guasti Road, Ontario, CA 91761

Refinance

California Financial Center is an Ontario-based mortgage brokerage that serves clients seeking purchasing or refinancing assistance. Its team of home loan professionals is knowledgeable about a wide range of programs, including VA, reverse, fixed-rate, and hybrid mortgages, which combine both adjustable- and fixed-rate loans. California Financial Center, which has been operating since 2001, experienced the real estate market crash in 2006. It adapted accordingly, allowing it to help clients avoid foreclosures by short-selling their residential properties.

Encore Mortgage

3333 Concours Street, Ontario, CA 91764

Refinance

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.

Fidelity Bancorp

3400 Inland Empire Boulevard, Ontario, CA 91764

Refinance

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.

Firm Foundation Finances

4345 East Lowell Street, Ontario, CA 91761

Refinance

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.

Freedom Financial

209 East I Street, Ontario, CA 91764

Refinance

Freedom Financial is a business based in Ontario that offers a variety of home loan options. It specializes in mortgage programs for home purchasing and refinancing and also offers loan options for seniors. It offers special down payment assistance programs for first-time homebuyers that include USDA, VA, FHA, and small commercial loans. Its team of mortgage consultants takes time to discuss and evaluate all the possible loan options that will fit the needs and lifestyles of its clients.

Full Circle Home Loans - Upland

99 East C Street, Upland, CA 91786

Refinance

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.

Fund Rite Mortgage

3155 Sedona Court, Ontario, CA 91764

New Construction

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.

FundRite Mortgage

3155 Sedona Court, Ontario, CA 91764

Refinance

FundRite Mortgage is a team of mortgage advisors serving clients in Ontario. The company assists prospective homeowners in buying their first house with a variety of loan options. These options include conventional, FHA, and jumbo loans. It also provides refinancing options for clients who are in the process of cutting down the interest rates or changing their term length. The company carries bank statement loans for self-employed individuals that can be used as an alternative to tax returns.

Golden Coast Mortgage

1119 South Milliken Avenue, Ontario, CA 91761

Refinance

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.

Griggs Mutual Realty & Management

6080 Hamner Ave., Eastvale, CA 91752

New Construction
Refinance

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.

Legacy Lending Inc

316 North Corona Avenue, Ontario, CA 91764

Refinance

Legacy Lending, Inc., is a mortgage brokerage operating in Ontario. It offers real estate and financing programs, including home purchase loans that give its clients access to tax benefits and the opportunity to build equity. In addition, it assists those who are looking to consolidate debt, renovate their homes, or have lower monthly payments with its cash-out refinancing solutions. Legacy Lending has more than 10 years of experience and also guides clients in the application process of their home loan program.

Mark 1 Mortgage

1342 East Chapman Avenue, Orange, CA 92866

Refinance

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.

Pacific Mortgage of America

3200 Guasti Road, Ontario, CA 91761

Refinance

Pacific Mortgage of America helps clients in Ontario with their mortgage needs. It caters to first-time homebuyers who prefer to have no down payments, low fixed-rate mortgage, and no acreage limit. It also assists foreign individuals who want to buy a property in the US by offering foreign national loans with multiple rate terms. Additionally, the team members at the company also guide clients in the whole mortgage process, including loan estimation, processing documents, basic appraisals, underwriting, and summation.

Paramount Residential Mortgage Group, Inc.

10737 Laurel Street, Rancho Cucamonga, CA 91730

Refinance

Paramount Residential Mortgage Group, Inc., is a mortgage broker that caters to individuals in the Ontario area. The company helps clients who are in need of services such as debt consolidation, payment amortization, as well as VA and FHA loan programs. The privately held firm has also been helping people and their families purchase a home for over a decade. It has more than 150 branches across the country and is operated by 1700 employees.

Raybon Mortgage

537 North Euclid Avenue, Ontario, CA 91762

New Construction

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.

RAzone Mortgage Group

2191 5th Street, Norco, CA 92860

Refinance

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.

Summit Mortgage Corporation

6528 Greenleaf Avenue, Whittier, CA 90601

Refinance

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.

TDR Mortgage

188 D Street, Upland, CA 91786

New Construction

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.

Teresa Tims

188 D Street, Upland, CA 91786

Refinance

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.

The Brandon Drew Group

8463 Haven Avenue, Rancho Cucamonga, CA 91730

New Construction
Refinance
Purchase Transactions

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.

The HLC Team

1164 N Monte Vista Avenue, Upland, CA 91786

Refinance

The HLC Team at Cornerstone Home Lending, Inc., is a direct lender serving clients in Ontario and nearby areas. The company assists homebuyers, homeowners, renovators, and investors with their home financing needs and objectives. With more than 25 years of refinancing experience, its team of mortgage professionals is equipped to educate borrowers with information in terms of refinancing their mortgage. Moreover, The HLC Team established an end-to-end mortgage app where clients can upload necessary documents and track their loan status.

The Master's Realty and Loans

3602 Inland Empire Blvd Ste B140 Ontario , CA 91764, Eastvale, CA 91764

Refinance

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.

Tri-Star Home Loans

2335 Foothill Boulevard, Upland, CA 91786

Refinance

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.

United Mortgage Fund

800 Haven Avenue Ste 370, Ontario, CA 91764

Reverse Mortgages

United Mortgage Fund is a mortgage company based in Ontario that pairs clients with financing options suited to their needs. It assists clients in acquiring a variety of these financing options, including HARP 2.0 loans, reverse mortgages, adjustable rate mortgages, FHA loans, VA loans, and fixed rate loans. Each member of its staff has at least over 10 years of residential lending experience and works to regularly update and respond to clients.

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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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