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Best Mortgage Refinance Companies in Rancho Cucamonga

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2023
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Brad Bennett logo

License Verified:

License: 268281

Nationwide Multistate Licensing System and Registry

Brad Bennett

9267 Haven Ave. #270, Rancho Cucamonga, CA 91730
  • Reverse Mortgages

Business Description

Brad Bennett is a branch manager for Edge Home Finance who caters to individuals and families throughout Rancho Cucamonga. He offers refinancing services to help clients lower their monthly payments and interest rates, modify their loan terms, and take cash out of their home's equity. He gives various options to customers based on their unique situations and needs after they submit a home refinance analysis request. These include fixed-rate mortgages, jumbo, VA, FHA, and USDA loans. Brad has more than 30 years of industry experience.

License Verified:

License: 268281

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 (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.
5.0
Responsiveness
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Empire Mortgage Solutions logo
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License Verified:

License: 1672634

Nationwide Multistate Licensing System and Registry

Empire Mortgage Solutions

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15338 Central Avenue, Chino, CA 91710
  • Commercial Loans

Business Description

Empire Mortgage Solutions serves Rancho Cucamonga clients. It deals with homeowners seeking to refinance their loans. Through assistance with the refinancing process, the company helps them fulfill a range of financial goals, from debt consolidation to reduced interest rates. It also offers a USDA loan program, a solution for clients looking to purchase properties in rural areas. Joe Lujan, one of the company's members, previously worked at firms like Countrywide Home Loans and Bank of America. He has over a decade of industry experience.

License Verified:

License: 1672634

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 (18)
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
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Golden Empire Mortgage logo
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License Verified:

License: 2427

Nationwide Multistate Licensing System and Registry

Golden Empire Mortgage

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12838 Central Ave, Chino, CA 91710
  • New Construction

Business Description

Golden Empire Mortgage serves families and individuals in Rancho Cucamonga. It helps homebuyers and investors develop refinancing strategies to maximize their monthly income, lower their mortgage payments, and change their loan terms. The agency also provides mortgage loan assistance to enable clients to acquire their dream residential properties. It processes a variety of special mortgage products, including VA, FHA, CalHFA, super jumbo, and hard or private money loans. Branch manager Eric Hasanoff is a multi-time member of the company's Elite Presidents Circle.

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 (54)
Facebook
5.0 / 5 (17)
Yelp
4.5 / 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
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Inland Home Mortgage Corp logo
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License Verified:

License: 1898624

Nationwide Multistate Licensing System and Registry

Inland Home Mortgage Corp

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1003 East Cooley Drive Suite #202, Colton, CA 92324
  • New Construction
  • Reverse Mortgages

Business Description

Inland Home Mortgage Corp. is a lending firm that handles refinancing for customers located in the Rancho Cucamonga area and nearby metros. Its list of services covers single and multi-family properties, as well as manufactured homes, townhouses, and condominiums, for usages such as primary residences, vacation homes, or investment properties. Its refinancing programs include streamline and conventional cash-out for FHA and VA loans, as well as from bank statement loans to jumbo loans. Inland Home Mortgage also has Spanish-speaking personnel.

License Verified:

License: 1898624

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.
4.2
Facebook
4.2 / 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
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Integrity Home Finance logo
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License Verified:

License: 155795

Nationwide Multistate Licensing System and Registry

Integrity Home Finance

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9327 Fairway View Place, Rancho Cucamonga, CA 91730
  • New Construction

Business Description

Integrity Home Finance is a Gem Mortgage branch serving clients in the Rancho Cucamonga metro. It offers financing options to support first-time buyers' dreams of home ownership, as well as eligible borrowers seeking to refinance their current loans to adjust terms or rates. Among the loan programs it provides are FHA, VA, jumbo, conventional, and fixed- and adjustable-rate mortgages. The types of property covered are single-family residences, townhouses, and high-rise condominiums. Gem Mortgage has been in the lending sector for over two decades.

License Verified:

License: 155795

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
5.0 / 5 (75)
Google
4.1 / 5 (13)
Yelp
5.0 / 5 (13)

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
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Ladera Lending logo

License Verified:

License: 835555

Nationwide Multistate Licensing System and Registry

Ladera Lending

555 Corporate Dr. #215, Ladera Ranch, CA 92694
  • Reverse Mortgages

Business Description

Ladera Lending offers mortgage refinancing programs for individuals and families in Rancho Cucamonga. Its refinance loan options include adjustable- and fixed-rate mortgages and jumbo, super jumbo, and conforming loans. It also offers USDA, VA, FHA, and five- to 30-year term loans. It serves the mortgage needs of a wide range of clients, including individual home buyers, home builders, and real estate professionals. Ladera Lending's site manager, Brian Spinuzzi, started his career in the mortgage industry in 1997.

License Verified:

License: 835555

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
Google
4.9 / 5 (1477)
Yelp
4.0 / 5 (228)
Facebook
4.7 / 5 (114)

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.
4.0
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LendingXpress logo
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License Verified:

License: 1879867

Nationwide Multistate Licensing System and Registry

LendingXpress

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17785 Sky Park Circle, Ste E,, Irvine, CA 92614
  • New Construction
  • Reverse Mortgages

Business Description

LendingXpress is a firm offering mortgage refinancing solutions for residential and commercial real estate to Rancho Cucamonga clients. Its team identifies and structures loan programs that fit clients' situations and goals. Some of its programs include hard money, fix and flip, and construction. Cash out, bridge, and customized options are also available for borrowers who are not qualified for traditional funding. LendingXpress provides mortgage and home tips to help clients make smart decisions.

License Verified:

License: 1879867

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
4.9 / 5 (44)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Meridox Real Estate and Mortgage logo

License Verified:

License: 293526

Nationwide Multistate Licensing System and Registry

Meridox Real Estate and Mortgage

136 1/2 S Glendora Ave Suite 1,, West Covina, CA 91790
  • New Construction

Business Description

Meridox Real Estate and Mortgage provides loan-related choices and services for applicants within Rancho Cucamonga. Its staff caters to first-time and experienced homebuyers, as well as those who seek to consolidate their debts and reduce their interest rates through refinancing. It employs a personalized approach by tailoring its options using details involving a client's financial status and comprehensive information concerning current market trends. Meridox is led by Linh Tran, who previously represented lenders and processed loans for institutional banks as an account executive.

License Verified:

License: 293526

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
4.9 / 5 (69)
Facebook
4.9 / 5 (26)
ML Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 362312

Nationwide Multistate Licensing System and Registry

ML Mortgage

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8270 Aspen St, Rancho Cucamonga, CA 91730

Business Description

ML Mortgage has refinancing options available for clients located in the Rancho Cucamonga area. Since 2007, it has been a brokerage that handles residential, and commercial financing, including construction. Its provides products like conventional, VA, FHA, and jumbo loans. Other resources such as the mortgage calculator and refinance loan checklist are also accessible on their online hub. Its team has a combined industry experience of more than 55 years. NMLS-registered, ML Mortgage is also licensed to conduct its business in 12 other US States.

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.
4.5
Yelp
4.5 / 5 (53)
Google
4.4 / 5 (35)
Facebook
4.5 / 5 (31)

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.
4.0
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Detail
––
New Beginnings Mortgage logo
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License Verified:

License: 1050562

Nationwide Multistate Licensing System and Registry

New Beginnings Mortgage

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9045 Haven Ave. Ste 106, Rancho Cucamonga, CA 91730
  • New Construction

Business Description

New Beginnings Mortgage provides owners of Rancho Cucamonga with refinance loans. It has refinance programs for single-family, multi-family, condominiums, townhouses, and manufactured homes. The company helps homeowners get lower monthly payments, shorter terms, or get cash from equity. It also assists prospective homeowners who want to buy a property for the first time. The business owner hopes to give clients a piece of the American Dream of owning a home by scouting the best options from the different programs in the market.

License Verified:

License: 1050562

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 (38)
Facebook
5.0 / 5 (18)
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
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Helpfulness
Detail
Sovereign Lending Group Incorporated logo
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License Verified:

License: 189421

Nationwide Multistate Licensing System and Registry

Sovereign Lending Group Incorporated

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3540 Howard Way, Costa Mesa, CA 92626
  • Reverse Mortgages

Business Description

Sovereign Lending Group Incorporated has been serving clients in Rancho Cucamonga since 2005. It provides mortgage refinancing services to residential property owners who are looking to replace their existing home loans. It also offers FHA loans and debt consolidation. The company is a member of the Business Consumer Alliance and has been featured on Yahoo! Finance. Its manpower consists of over 200 team members that cater to the needs of working Americans, including firefighters, police officers, and veterans.

License Verified:

License: 189421

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.
3.8
Google
4.3 / 5 (700)
Yelp
3.5 / 5 (152)
Facebook
4.1 / 5 (38)

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
Upfront Home Loans logo
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License Verified:

License: 71127

Nationwide Multistate Licensing System and Registry

Upfront Home Loans

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1111 E Katella Ave., Suite 210, Orange, CA 92867
  • New Construction

Business Description

Upfront Home Loans caters to residents of Rancho Cucamonga in need of mortgage and refinancing services. The team has home purchase loans with fixed and adjustable rates and terms ranging from five to 30 years in length. Products backed by the USDA and VA are available, and the company rearranges existing debts into less onerous obligations. Mortgage Loan Advisor Sergio Hernandez has been in the real estate game since 1994 and has experience dealing with reverse mortgages and jumbo loans.

License Verified:

License: 71127

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Watermark Home Loans logo
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License Verified:

License: 1838

Nationwide Multistate Licensing System and Registry

Watermark Home Loans

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100 Spectrum Center Dr Ste 150, Irvine, CA 92618
  • Multi-Family Loans
  • Commercial Loans
  • New Construction

Business Description

Watermark Home Loans provides mortgage refinancing programs to residents of Rancho Cucamonga. It has been helping families achieve their homeownership goals since 2006. Its mortgage products include USDA, VA, FHA, jumbo, and conventional loans. It helps streamline the mortgage process through the Watermark Loan Hub, a software program that enables clients to process their applications and submit their documents online. Watermark Home Loans also allows borrowers 24/7 access to their loan information using their mobile devices.

License Verified:

License: 1838

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
4.6 / 5 (782)

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

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.
  • 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.