Expertise.com

2024

Last updated:

Best Mortgage Brokers in Rialto

Our Recommended Top 11

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 Rialto Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

35Reviewed

25Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3400 Central Ave Suite 320, Riverside, CA 92506
WebsiteLicense: 1936556

Expertise.com Rating

Review Sources

Google
4.5 (77)
Facebook
4.7 (26)
Zillow
4.8 (22)

Why choose this provider?

Ivan & Maria Navarro provides solutions to clients in the Rialto metro. It offers mortgage services, helping individuals choose a home loan based on their goals and financial situation. Its team assists clients in pre-qualifying for government-insured loans such as VA, USDA, and FHA, as well as conventional loans. The company attends to various real estate needs of home sellers, representing them in negotiations and advertising on social media and listing sites. Ivan & Maria Navarro has more than 25 years of industry experience.

  • Refinance

8275 Sierra Avenue, Suite 106, Fontana, CA 92335
WebsiteLicense: 164497

Expertise.com Rating

Review Sources

Facebook
4.5 (113)

Why choose this provider?

Mountain West Financial Inc. has been helping prospective and current homeowners find, apply for, and refinance various mortgage programs. It provides Rialto residents with a varied selection of mortgage solutions, from government programs like USDA and FHA loans to jumbo loans or fixed-rate mortgages. For homeowners with existing mortgages, its staff assists in finding and comparing applicable restructuring solutions that grant benefits like lowered interest rates. Mountain West Financial has been operating for over 30 years.

  • Refinance
  • New Construction

8291 Utica Avenue Suite 222, Rancho Cucamonga, CA 91730
WebsiteLicense: 240870

Expertise.com Rating

Review Sources

Facebook
5.0 (19)

Why choose this provider?

Fire Your Landlord has mortgage refinancing services for clients in the Rialto metro. The loan options available include VA, FHA, and cashout refinancing. It also offers reverse mortgages, which can be used as a means of income for retirees. Chris Tapani, the owner of Fire Your Landlord, has over 31 years of industry experience. He is a member of the American Financial Network. He aims to help families realize the American Dream of home ownership and reduced mortgage payments through refinancing.

  • Commercial Loans
  • Refinance

Corona, CA 92882
WebsiteLicense: 1212777

Expertise.com Rating

Review Sources

Google
5.0 (95)
Yelp
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Since 2005, Crown Mortgage & Real Estate has been helping clients in and around Rialto find and acquire their dream homes. The company offers lending options for home purchasing and refinancing. It also maintains a real estate listing comprising residential properties, commercial establishments, and vacant lands. The mortgage brokers and real estate agents at Crown aim to constantly communicate with customers and keep them informed throughout the buying or selling process. Crown is a member of the National Association of Realtors.

  • New Construction

25096 Jefferson Avenue, Murrieta, CA 92562
WebsiteLicense: 304673

Expertise.com Rating

Why choose this provider?

Larry Locke Pro-funders, Inc., a mortgage broker company serving clients in Rialto. Larry Locke works with multiple banking resources. He specializes in numerous types of loans such as conventional home loans, FHA home loans, USDA home loans, and VA home loans. Other services include loans for home purchases, refinance present home loans, and a specialized calculator on their website that indicates how much the monthly payment for a mortgage is. Larry Locke Pro-funders Inc. has been in the industry since 1998.

  • Refinance

8280 Aspen St., Rancho Cucamonga, CA 91730
WebsiteLicense: 362312

Expertise.com Rating

Review Sources

Google
4.9 (53)

Why choose this provider?

Best Option Mortgage serves Rialto residents. The company offers a variety of home purchase loans to both first-time and experienced home buyers, including FHA, VA, conventional, and Jumbo mortgages. The team consists of independent mortgage brokers with over 55 years of combined experience assisting clients in selecting the best mortgage program for their financial needs. The firm also provides mortgage refinance to individuals looking to pay off their current mortgage with a new loan. The Equal Housing Lender company strives to provide a simpler loan process than the average bank.

  • Refinance

3333 Concours St Bldg 4 Suite 4100, Ontario, CA 91764
WebsiteLicense: 1858778

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (40)

Why choose this provider?

Encore Mortgage responds to the home loan needs of families in Rialto and its nearby areas. The company offers a variety of loan options, such as 30- and 15-year fixed mortgages, 203K, HARP, jumbo, FHA, and adjustable and reverse mortgages. Its team of loan officers assists first-time home buyers throughout the home purchasing and selling process, including evaluating properties, comparing rates, and calculating mortgage payments. Owner Bryant Rueckner is also a real estate broker who has been active in the industry since 2015.

  • Refinance

27215 Hwy 189, Suite C, Blue Jay, CA 92317
WebsiteLicense: 1926818

Expertise.com Rating

Review Sources

Google
5.0 (42)

Why choose this provider?

PRMG Lake Arrowhead is a direct lender of Fannie Mae and Freddie Mac, serving people in Rialto. It assists those renovating and buying homes, including veterans and individuals with low credit scores. Its programs include FHA, VA, USDA, jumbo, and reverse mortgages. The company strives to cultivate a healthy workplace culture by hiring diverse employees who share a vision of helping people obtain a home. It established PRMG Cares to support charities, such as the Wounded Warrior Project and American Heart Association, through profit donations.

  • Refinance
  • New Construction

127 E. State Street, Redlands, CA 92373
WebsiteLicense: 1704379

Expertise.com Rating

Review Sources

Google
4.9 (63)
Facebook
5.0 (32)

Why choose this provider?

Viewpoint Financial Home Loans provides a range of financial solutions to Rialto. It offers new homebuyer, conventional, FHA, USDA, VA, and renovation loans, as well as reverse mortgages. The team assists clients in making informed decisions with a mortgage calculator so that they can choose the best options for their financial status. The independent company is led by Marvin Hudson, who started in the industry in 1984 and opened Viewpoint Financial in 1991. He and his wife served as past presidents of the Rotary Club of Redlands.

  • Refinance
  • New Construction

3281 Guasti Rd, Ontario, CA 91761
WebsiteLicense: 2427

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
4.8 (53)
Yelp
5.0 (52)

Why choose this provider?

Gem Mortgage is a team of professionals that caters to the needs of property buyers in the Rialto metro and the surrounding communities. The team assists first-time homebuyers and refinancing homeowners in the process of applying for programs such as combined/hybrid ARMs, FHA loans, and state or local housing programs. These professionals help clients with specialty products like Extra Credit Teacher Home Purchase Program and Fannie Mae Home Path Financing. They are part of Golden Empire Mortgage.

  • Refinance
  • New Construction

9267 Haven Ave. #270, Rancho Cucamonga, CA 91730
WebsiteLicense: 268281

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Loans by Brad.com is a mortgage broker under Edge Home Finance catering to Rialto and the surrounding areas. It offers fixed-rate mortgages for 30- and 15-year periods, reverse mortgages, and refinancing solutions. It also has 203K, jumbo, FHA, and VA loan options. Branch manager Brad Bennet has been crafting personalized mortgage solutions since 1991. His home loan process involves considering various criteria, such as credit and employment history, to find the ideal packages for every client's needs.

  • Refinance

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.