Best Mortgage Refinance Companies in Ontario

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Adam Tice logo

Adam Tice

3595 -1 Inland Empire Blvd Ste 1240, Ontario, CA 91764
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  • New Construction

Adam Tice provides services to clients in Ontario and the surrounding areas. He offers to refinance clients' existing mortgage loans to cash out their equity or change their interest rates. He also offers various home loan programs, such as conventional, construction, reverse, jumbo, VA, and FHA, to help individuals purchase residential properties. Down payment assistance programs are also available. Adam specializes in serving first-time home buyers, investors, and individuals wishing to move up or purchase their second homes.

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Ameritrust Home Mortgage logo

Ameritrust Home Mortgage

3237 E. Guasti Road, Suite 120, Ontario, CA 91761
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  • Multi-Family Loans

Ameritrust Home Mortgage is a partner for Ontario homeowners looking to refinance their home. Its team educates them on available options and strategies that meet their needs and goals, such as lowering monthly payments, changing the term of their mortgage, and paying off their home faster. The company is a division of Amerifirst Financial Corporation, which supports Habitat for Humanity, a nonprofit organization helping communities globally. Amerifirst was named one of 2021 Best Mortgage Companies to Work For by National Mortgage News.

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California Financial Center logo

California Financial Center

3200 East Guasti Road, Ste 100, Ontario, CA 91761
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  • New Construction

California Financial Center provides solutions to customers in Ontario and its surrounding areas. It offers home refinancing services to clients that are planning to change their current loan program. It provides loan options such as fixed-rate and adjustable-rate mortgages and conventional loans. The company also offers FHA, VA, USDA, bank statement, stated income, and hard money loans. In addition, it provides down payment assistance programs and reverse mortgage solutions. California Financial Center has been helping clients since 2001.

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Gem Mortgage logo

Gem Mortgage

3281 Guasti Rd, Ontario, CA 91761
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  • New Construction
  • Reverse Mortgages

Gem Mortgage caters to families in and around Ontario. The brokerage offers refinancing for existing single-family, multi-family, condominium, or townhouse loans. Its team of mortgage officers helps narrow down options to achieve reduced repayments and interest rates or cash out through a reverse mortgage or home equity line of credit. FHA, jumbo, 203(k), hybrid adjustable-rate, and location-efficient loans are among the options Gem Mortgage provides. Additionally, its website contains educational resources, including insider tips on refinancing, first-time home buying, or consolidating loans.

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O1ne Mortgage logo

O1ne Mortgage

9267 Haven Ave Suite 255, Rancho Cucamonga, CA 91730
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  • New Construction
  • Reverse Mortgages

O1ne Mortgage serves homebuyers and mortgagors throughout Ontario. It offers a wide selection of mortgage options alongside refinancing solutions for existing lending plans. The company helps clients find and apply for VA, FHA, USDA, and conventional loans. For homeowners with existing mortgages, its staff provides guidance on restructuring lending plans for benefits ranging from lower rates or shortened terms to cash-outs. It utilizes a primarily digital approach to connect clients with their preferred lending or refinancing solution, such as through the Loanzify mobile app.

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PB Financial Group Corporation logo

PB Financial Group Corporation

6380 Wilshire Blvd #1610, Los Angeles, CA 90048
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  • Commercial Loans
  • New Construction

PB Financial Group Corporation is a mortgage company serving clients in Ontario and neighboring regions. Its mortgage officers help rental property owners with active loans apply for a refinance program to convert their equity into cash, which they can use for renovation costs. They also assist clients who wish to take advantage of distressed properties through a refinancing mortgage. Pouyan Broukhim, a real estate investor, started the company in 2006 to help clients maximize their equity.

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Reality Home Solutions logo

Reality Home Solutions

337 N. Vineyard Ave, Ste 316, Ontario, CA 91764
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  • New Construction

Reality Home Solutions offers its services to Ontario-based individuals and families who seek to refinance their existing mortgages. Its staff helps applicants in gauging their available financial options by providing them with reports or updates involving the local real estate market and interest rates. It provides educative counsel on each client's goals for refinancing, such as debt consolidation and improved monthly payments. It also offers different program options that involve non-traditional, government, and home-buying loans.

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Vanessa Sharp logo

Vanessa Sharp

800 N. Haven Avenue #100, Ontario, CA 91764
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  • New Construction

Vanessa Sharp is a sales manager of New American Funding who takes care of the mortgage refinancing needs of clients in and around Ontario. Vanessa and her team provide various refinancing solutions to fit the individual demands of clients who wish to save money with a reduced interest rate or possibly take cash out for personal purposes. They also offer reverse mortgages for seniors and various loan options for first-time, move-up, and investment home buyers. Vanessa is bilingual in English and Spanish.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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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