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Best Mortgage Refinance Companies in Ontario

2024

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Providers

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

Why choose this provider?

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.

License Verified:

License: 357614

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.
4.5
Yelp
4.5 / 5 (28)
Google
4.2 / 5 (25)
Facebook
5.0 / 5 (16)

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

Why choose this provider?

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.

License Verified:

License: 2427

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
5.0 / 5 (68)
Facebook
4.8 / 5 (50)
Yelp
5.0 / 5 (49)

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
3400 Inland Empire Blvd. Suite 101, Ontario, CA 91764
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Fidelity Bancorp serves the communities of Ontario and the surrounding areas. It provides mortgage refinancing programs to borrowers to aid them in reaching their goals. These include lowering their payments, building up equity more quickly, refinancing to cash out, and consolidating their debts. It also offers reverse mortgages that allow homeowners, aged 62 or older, to use their equity without selling their homes. Michelle Puskas, mortgage loan originator, has been in the industry for more than 20 years.

License Verified:

License: 326625

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

Why choose this provider?

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.

License Verified:

License: 289398

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
4.9 / 5 (35)
Facebook
5.0 / 5 (34)
Yelp
5.0 / 5 (33)

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
3200 E Guasti Rd. Suite 100, Ontario, CA 91761
  • Reverse Mortgages

Why choose this provider?

BirdEye Loans provides refinancing options to its clients in the Ontario area and surrounding communities. It also offers mortgage products for first-time buyers, experienced homeowners, and self-employed individuals. FHA, HAMP, HARP, Rural USDA, FHA, and VA loans are among the programs available to them. Mortgage Broker John Abril has been in the business for over 19 years. The BirdEye website has a home valuation tool, as well as a property search tool with access to the California Regional Multiple Listing Service.

License Verified:

License: 1846010

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 (33)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (10)

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
13362 Emerald Way, Chino Hills, CA 91709
  • New Construction

Why choose this provider?

JBee Home Loans serves clients in Ontario and the surrounding areas who need mortgage and refinance solutions. The team's home loans are fit for clients who have varying debt-to-income ratios and the process ranges from pre-approval to refinancing. Current obligations are rearranged to take advantage of positive market developments and the company advises home purchasers on the finer points and basic concepts in the financing sector. JBee Home Loans is led by its loan officer and president Joel Burlingame who specializes in transactions with a divorce component.

License Verified:

License: 2004628

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
Facebook
5.0 / 5 (6)

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 Ave., Suite 220, Rancho Cucamonga, CA 91730
  • Reverse Mortgages

Why choose this provider?

VirtuaLending is a team of loan officers serving clients in Ontario and the surrounding areas. It assists first-time home buyers and investors with different loan options like fixed-term mortgages, FHA, VA, jumbo, USDA and reverse mortgage loans. It also provides adjustable-rate mortgages, conforming loans, and refinancing programs for borrowers who want to cash out their home equity. VirtuaLending has a variety of tools available on its website, like refinancing analysis, mortgage calculator, and a pre-approved letter.

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.
4.6
Google
4.4 / 5 (27)
Facebook
5.0 / 5 (20)
Yelp
4.5 / 5 (7)

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

Why choose this provider?

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.

License Verified:

License: 1088167

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

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

Why choose this provider?

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.

License Verified:

License: 399198

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 (23)

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

Why choose this provider?

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.

License Verified:

License: 355259

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
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (5)
Google
5.0 / 5 (2)

Website
921 Park St, Unit A, Perris, CA 92570
  • Reverse Mortgages

Why choose this provider?

U2 Funding Inc assists Ontario homeowners in obtaining refinancing loans. It helps clients get their application pre-approved for their mortgage. The company works to provide customers with the lowest possible rates for their home. Kuljinder Tatla, its refinance and loan broker, makes it his goal to establish long-term relationships with his clients by focusing on originating real estate loans and guiding them from the start of the application up to its closing. Tatla can also accommodate Hindi, Punjabi, and Urdu speakers.

License Verified:

License: 2050444

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

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
400 N. Mountain Avenue Suite 223, Upland, CA 91786
  • New Construction

Why choose this provider?

Allied Equity serves borrowers in Ontario, offering a variety of home refinance, purchase, equity, and reverse mortgage programs, focusing on conventional, FHA, jumbo, and self-employed bank statement loans. Its refinancing options include 203k, VA, and HELOC. The agency uses a technology-based system to process loans efficiently and with little paperwork. Joe Sanchez, the owner and principal broker of Allied Equity, is a National Association of Mortgage Brokers Certified Mortgage Consultant. The agency is affiliated with Allied International Realty and Terra Linda Realty.

License Verified:

License: 359090

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
Yelp
5.0 / 5 (8)
Google
5.0 / 5 (1)

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

Why choose this provider?

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.

License Verified:

License: 2298374

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
4.7 / 5 (9)

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
––

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • What type of documentation do Ontario borrowers need to refinance their current mortgage?

    Ontario homeowners who wish to refinance their existing mortgages need to prepare important documents, including pay stubs encompassing the last 30 days and W-2s from the past two years. Furthermore, they must furnish details about their assets, which include bank or mutual fund or stock statements from the previous 60 days, as well as up-to-date loan particulars like their most recent mortgage statement and the declarations page for homeowners insurance.

  • When is it not a good idea to refinance a current house loan in Ontario?

    Ontario homeowners planning to move within the next six months might not find refinancing advantageous. Additionally, those renovating their homes may consider delaying their home loan application until the remodeling is completed or nearing completion (in a matter of weeks). In cases where there are less than 10 years remaining on their mortgage, opting for a refinance might not be preferable unless there is a substantial reduction in the interest rate compared to their existing loan.

  • What is the typical duration of the mortgage refinance procedure in Ontario?

    The duration of most refinance transactions, including those conducted in Ontario, might span from 45 to 60 days, contingent upon the intricacy of the loan. Some lenders have developed a procedure bolstered by proprietary paperless technology, allowing them to finalize loans more swiftly than the standard industry turnaround times. Borrowers are advised to contribute to the process by promptly providing the necessary documentation that lenders require.

  • Will Ontario homeowners who are planning to refinance their current mortgages save money by going directly to a mortgage lender?

    Not necessarily. However, Ontario homeowners who desire to refinance their existing mortgages would likely benefit more from working with a mortgage broker. These brokers do not contribute any additional expenses to the lending process. They have connections with numerous lenders, enabling them to search for the most favorable terms that are accessible. Furthermore, they can locate lenders who focus on individuals with unfavorable credit scores and loans requiring minimal or no down payments.

  • What are the mortgage rates for both purchase and refinance transactions in Ontario?

    In Ontario, the mortgage interest rate is 6.75%, and the annual percentage rate is 6.905% for a 30-year fixed-rate mortgage. For a 25-year fixed-rate mortgage, the rate is 6.75%, while the APR is 6.933%. When comparing mortgage offers, it is a good idea to consider both the interest rate and the APR to understand the costs associated with each loan option.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.