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2024

Last updated:

Best Mortgage Brokers in Rancho Cucamonga

Our Recommended Top 16

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 Rancho Cucamonga 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

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
12505 North Mainstreet, Rancho Cucamonga, CA 91739
  • New Construction
  • Refinance

Why choose this provider?

Global Mortgage is a brokerage that counsels its clients in the Rancho Cucamonga area who are looking for home financing and mortgage refinancing options. As an independent broker, the firm is partnered up with over 100 investors, which allows it to offer a variety of loans and mortgages to its clients. Global Mortgage is able to apply for and secure fixed- and adjustable-rate mortgages, conventional loans, government loans, home equity lines, and even commercial loans.

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.
4.6
Google
5.0 / 5 (25)
Yelp
3.0 / 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
8577 Haven Avenue, Rancho Cucamonga, CA 91730
  • New Construction

Why choose this provider?

Adriel Esparza is a mortgage broker and a direct lender who serves clients in Rancho Cucamonga. He specializes in first-time homebuyer programs, real estate investments, and home equity management. Esparza speaks Spanish and has been providing mortgage advice for 16 years. He has closed more than 1,200 loans and has prepared more than 2,200 tax returns. His company, EZ Fundings, Inc., is headquartered in Pomona, where it handles various operations, such as loan origination, loan processing, and funding.

License Verified:

License: 237241

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 (27)
Google
5.0 / 5 (9)
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
300 East State Street, Ste 460, Redlands, CA 92373
  • New Construction

Why choose this provider?

Atlas Crown Financial, Inc., is an intermediary between borrowers and lenders throughout Rancho Cucamonga. It offers a variety of real estate financing options, including conventional, FHA , VA, and jumbo fixed or adjustable programs. The company networks with lenders versed in residential financing options, while its loan officers utilize their technical skills to guide clients through the lending rules and policies. Nancy Overgaag, one of its mortgage professionals, has over 32 years of experience and strives to ease the home-buying process for every client, including veterans.

License Verified:

License: 1185031

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 (3)

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
8275 Sierra Avenue, Fontana, CA 92335
  • New Construction
  • Refinance

Why choose this provider?

Mountain West Financial Inc. is a mortgage lender delivering home financing solutions in Rancho Cucamonga since 1990. It offers various products, including energy-efficient mortgages, renovation lending, FHA, VA, and conventional loans. In addition, it provides exclusive loan programs created for the benefit of individuals that help in the local community. Mountain West Financial has over 30 years of experience in the industry. Its mission is to help clients overcome challenges in the application and approval process.

License Verified:

License: 164497

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
Facebook
5.0 / 5 (6)
Yelp
4.5 / 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
10535 Foothill Boulevard, Rancho Cucamonga, CA 91730
  • Refinance

Why choose this provider?

Gabriela Ortolani is a mortgage broker from Commerce Home Mortgage who serves clients in Rancho Cucamonga and nearby areas. She offers several mortgage loan options for borrowers, including traditional, conventional, FHA, VA, USDA, and jumbo loans. This mortgage advisor is also committed to helping homeowners refinance their loans to reduce their mortgage payments, consolidate their debt, convert to a fixed-rate mortgage, and get cash out of their real estate properties. Commerce Home Mortgage was established in 1994.

License Verified:

License: 1123065

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 (1)

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
  • New Construction
  • Refinance
  • VA Financing

Why choose this provider?

Brent Bruce is a mortgage specialist who is part of Rancho Capital Home Loans. Equipped with knowledge on various financing options such as jumbo, reverse, VA, and FHA mortgages, he assists Rancho Cucamonga homebuyers in selecting home loans that suit their unique needs. Furthermore, he provides mortgage tools and resources, helping clients make informed decisions. The mortgage advisor also guides homebuyers in the application process, and he maintains open lines of communication via email, phone, and fax.

License Verified:

License: 251637

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 (21)
Google
5.0 / 5 (19)
Zillow
4.0 / 5 (1)

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
8280 Aspen Avenue, Rancho Cucamonga, CA 91730
  • Refinance

Why choose this provider?

Best Option Mortgage is a mortgage bank serving clients in Rancho Cucamonga and the neighboring areas. With more than five decades of combined experience, the company aims to provide a faster loan application process by specializing in mortgage loans for home purchases and refinancing. It assists first-time homebuyers and clients looking for a duplex or second home. The company offers loan products such as conventional, jumbo, FHA, and VA loans. Best Option Mortgage works with various vendors, including Realtors.

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.
4.1
Google
4.0 / 5 (45)
Yelp
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9620 Center Avenue, Rancho Cucamonga, CA 91730
  • Refinance

Why choose this provider?

Platinum Home Mortgage has been providing Rancho Cucamonga residents and prospective homebuyers with mortgaging options for 28 years. The company's consultants educate and assist first-time homebuyers and move-up buyers in selecting from their financing options, such as FHA financing, FHA sweat equity, VA mortgage, and USDA rural housing. They also help clients with 30-year or 40-year mortgages accelerate equity growth by changing them to a 15-year mortgage option. Additionally, Platinum Home Mortgage offers standard refinancing and FHA 203(k) refinancing.

License Verified:

License: 13589

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
Facebook
4.8 / 5 (410)
Google
5.0 / 5 (276)
Yelp
4.0 / 5 (1)

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
10670 Civic Center Drive, Rancho Cucamonga, CA 91730
  • New Construction

Why choose this provider?

Esteem Mortgage is a non-bank brokerage company that serves Rancho Cucamonga and the surrounding locations. Since 2007, the company has offered various options for homebuyers and refinancers such as FHA loans, VA loans, USDA loans, and jumbo loans. Esteem Mortgage's loan officers all have more than a decade of experience in the industry. The company also offers reverse mortgage services for senior citizens looking to get some cash out of their home equity. This helps them get some supplementary income apart from their retirement benefits.

License Verified:

License: 1821361

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 (6)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

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
8577 Haven Avenue, Rancho Cucamonga, CA 91730
  • Refinance

Why choose this provider?

EZ Fundings Home Loans is a mortgage company headquartered in Rancho Cucamonga. It serves as a mortgage broker, informing and guiding clients throughout the home buying process. The company offers its assistance in choosing loan programs such as VA loans, FHA loans, and conventional loans. Dritan "Tano" Kapidanja serves as the president of EZ Fundings Home Loans. He is a broker with over two decades of experience and has served more than 3,000 families. Kapidanja is fluent in five languages.

License Verified:

License: 1156892 |

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.
4.4
Facebook
5.0 / 5 (16)
Yelp
4.0 / 5 (15)
Google
4.0 / 5 (11)

Website
1041 East 16th Street, Upland, CA 91784
  • New Construction

Why choose this provider?

Tom Bass is the owner and mortgage broker of Bayport Financial Inc. who provides services in Upland as well as Rancho Cucamonga. He is a mortgage speaker and coach with nearly 30 years of experience in the mortgage industry, assisting clients with their home purchasing, mortgage refinancing, or home equity cash-out. Tom and his team help clients all throughout the home loan process, from finding the right mortgage loan to the qualification and application process until the approval of the loan.

License Verified:

License: 236823

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 (54)
Yelp
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
3595 Inland Empire Boulevard, Ontario, CA 91764
  • New Construction
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Adam Tice is a mortgage broker who handles a variety of home loan programs that are available in the market. He lends his services to the residents of Rancho Cucamonga and nearby areas. He offers loan services which are a mixture of conventional and non-traditional loans such as FHA, VA, jumbo, reverse mortgages, and down payment assistance programs. Adam assists both first-time and second-home buyers and also caters to homeowners looking to refinance for a better rate.

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.
4.3
Google
4.0 / 5 (31)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10700 Jersey Boulevard, Rancho Cucamonga, CA 91730
  • New Construction
  • Refinance
  • Multi-Family Loans

Why choose this provider?

Based in Rancho Cucamonga, Deercreek Financial offers mortgage services to clients in the area. It helps clients pre-qualify for different types of loans such as purchase, refinance, VA, FHA, and construction loans. It also provides other mortgage services such as underwriting, mortgage processing, loan closing, and funding. Deercreek Financial employs advanced mortgage processing software and an automated mortgage underwriting system to help speed up the mortgage process. Its president, Jeffrey Tosha, has over 38 years of experience helping clients obtain VA loans.

License Verified:

License: 287852

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.
4.1
Yelp
4.0 / 5 (6)
Google
5.0 / 5 (1)

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

Why choose this provider?

ML Mortgage Corp is a mortgage company that has been providing its services to those in Rancho Cucamonga and the surrounding communities since 2007. It assists clients in financial processes by ensuring they are streamlined and sensible. It offers various products such as VA, FHA, jumbo, and conventional mortgages. Its brokers will help clients understand the different types of mortgages which may include fixed-rate, adjustable-rate, and balloon. Additionally, the company also provides services related to refinancing.

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.
4.4
Yelp
4.5 / 5 (48)
Google
4.0 / 5 (23)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2335 West Foothill Boulevard, Upland, CA 91786
  • New Construction
  • Refinance

Why choose this provider?

Lynn Munger Perry is a professional loan broker catering to families and individuals in West Valley City, Rancho Cucamonga, and surrounding areas. Perry has been in the real estate industry for over 20 years and has assisted clients in investing and financing properties. Munger leads her own team under Tri-Star Properties. She provides a variety of loan options, including FHA, VA, home equity options, jumbo, and reverse mortgages. Perry is also a Realtor and provides full-service assistance for buyers and sellers.

License Verified:

License: 323113

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 (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
12640 Hesperia Road, Victorville, CA 92395
  • Refinance

Why choose this provider?

Choice Lending Corp. is a brokerage firm that serves Rancho Cucamonga, Victorville, and the surrounding areas. It offers several residential loan options to homebuyers, such as FHA loans, conventional fixed-rate mortgages, and USDA rural housing loans. In addition, people who are looking to refinance to lower their interest rates, change from an adjustable-rate mortgage to a fixed-rate one, or get cash-out from the built-up home equity can also connect with the company and explore their options.

License Verified:

License: 236563

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
Facebook
4.7 / 5 (7)
Google
5.0 / 5 (1)

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.