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Best Mortgage Refinance Companies in Rialto

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2023
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American Dream Group logo
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License Verified:

License: 2091817

Nationwide Multistate Licensing System and Registry

American Dream Group

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18201 Von Karman #300, Irvine, CA 92612
  • New Construction
  • Reverse Mortgages

Business Description

American Dream Group is a mortgage refinancing brokerage firm that assists clients in Rialto and nearby areas. Its team members help clients in refinancing their existing loans for a new home purchase, home equity, and reverse mortgage. It also offers conventional, FHA, and VA loans. The company additionally provides interest-only mortgages, which are home loans that allow borrowers to make payments toward the interest of the accruing loan over the principal for a specified time frame.

License Verified:

License: 2091817

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 (4)
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
ARE Mortgage Group logo
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License Verified:

License: 2061243

Nationwide Multistate Licensing System and Registry

ARE Mortgage Group

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13312 Ranchero Rd, Suite 473, Oak Hills, CA 92344
  • Reverse Mortgages

Business Description

ARE Mortgage Group provides personalized loan solutions with customized quotes for clients in the Rialto community. It offers home refinancing services to assist clients with lower interest rates and monthly payments and flexibility in updating their home's look and value through savings. Its loan types include conforming, jumbo, super jumbo, FHA, USDA, and VA loans. ARE Mortgage Group provides fixed-rate and ARMs with five-year to 30-year terms. It is headed by Joe Wiggins, who has over 30 years of finance industry experience.

License Verified:

License: 2061243

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 (30)

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
Cinch Real Estate + Mortgage logo
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License Verified:

License: 1786532

Nationwide Multistate Licensing System and Registry

Cinch Real Estate + Mortgage

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433 S. Waterman Avenue, Suite I, San Bernardino, CA 92408
  • New Construction

Business Description

Cinch Real Estate + Mortgage has refinancing options available for customers located in Rialto. It is a full-service brokerage DRE and NMLS-registered firm that takes on the complete homeownership process for its customers. It also has financial advising services to help augment relevant information in the decision-making process. Second-generation real estate and mortgage broker Phillip N. Le founded Cinch on the back of over a decade of industry experience working on land acquisition and residential development.

License Verified:

License: 1786532

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 (33)
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
Crown Castle Mortgage Realty logo
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License Verified:

License: 342719

Nationwide Multistate Licensing System and Registry

Crown Castle Mortgage Realty

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305 N. Second Ave. Suite 164, Upland, CA 91786
  • New Construction

Business Description

Crown Castle Mortgage Realty serves real estate buyers in Rialto who require refinancing and mortgage solutions. These products include conventional and Jumbo loans. Government-supported programs backed by the FHA are available for first-time purchasers. The team refinances current obligations into fixed-rate mortgages with terms up to 30 years. Cashing out from equity is also an option. Crown Castle has been operating in the state for more than two decades and broker Mario Espinoza has been in the real estate and lending fields for 24 years.

License Verified:

License: 342719

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
Global Mortgage logo
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License Verified:

License: 285504

Nationwide Multistate Licensing System and Registry

Global Mortgage

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12505 N Mainstreet Suite 228, Rancho Cucamonga, CA 91739
  • Reverse Mortgages

Business Description

Global Mortgage serves homeowners, home buyers, and investors in Rialto. Its team works with more than 100 investors, allowing clients to match with the right loan programs that suit their individual needs. The agents assist with refinancing mortgages, allowing homeowners to convert their loan terms or extract cash equity in their homes that may be used for consolidating debt, education funding, or home improvement. Global Mortgage also offers ARMs, conventional jumbo, home equity lines, and VA 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.
5.0
Google
5.0 / 5 (26)

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
James Taverner logo
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License Verified:

License: 1369773

Nationwide Multistate Licensing System and Registry

James Taverner

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13295 Joliet Dr, Rancho Cucamonga, CA 91739
  • Reverse Mortgages

Business Description

James Taverner is a senior loan originator who helps clients in Rialto and nearby areas with refinancing mortgages for better rates and cash-outs. This professional adheres to four principles when providing services, which include keeping clients informed through follow-ups, guiding them through the entire mortgage process while avoiding mistakes, locating the best market rates available, and closing the loan on time. James Taverner also caters to buyers who aim to acquire real estate as an investment.

License Verified:

License: 1369773

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 (22)
Yelp
5.0 / 5 (20)
Facebook
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
National One Mortgage logo

License Verified:

License: 246740

Nationwide Multistate Licensing System and Registry

National One Mortgage

6700 Indiana Ave 130, Riverside, CA 92506
  • Reverse Mortgages

Business Description

National One Mortgage is a Riverside-based firm that caters to clients in the Rialto metro and the surrounding areas. It offers mortgage refinance options for customers who own different types of properties, including condominiums, single- or multi-family residences, and townhouses. National One Mortgage helps them change their loan terms, get lower interest rates, lower their monthly payments, or take out cash. Some of the loan options it provides are conventional, FHA, VA, and reverse mortgages.

License Verified:

License: 246740

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 (11)
Google
5.0 / 5 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Noble Mortgage logo
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License Verified:

License: 1840721

Nationwide Multistate Licensing System and Registry

Noble Mortgage

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2601 N Del Rosa Ave #205C, San Bernardino, CA 92404

Business Description

Noble Mortgage provides current and future homeowners in Rialto with financing options. The firm offers various mortgage and refinancing loan choices, which include fixed rate, home improvement, reverse, jumbo, and FHA loans. A home affordable refinance program is also available, which allows clients unable to refinance because of loan-to-value guidelines to take advantage of low interest rates in the market. Its professionals assist clients throughout the process, from filing the necessary documents to closing the transaction.

License Verified:

License: 1840721

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 (294)
Rancho Capital Home Loans logo
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License Verified:

License: 1812241

Nationwide Multistate Licensing System and Registry

Rancho Capital Home Loans

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9431 Haven Avenue, Suite 208, Rancho Cucamonga, CA 91730
  • New Construction
  • Reverse Mortgages

Business Description

Rancho Capital Home Loans is a locally owned and independent mortgage brokerage company that serves clients in Rialto. It assists with mortgage refinancing for primary and vacation homes and investment properties, catering to clients looking to consolidate debt, reduce interest rates and monthly payments, and change loan terms. Its mortgage rate options include fixed-rate, interest-only, adjustable rate, and graduated payments. It also provides various loan programs, such as USDA, jumbo, VA, and FHA. Additionally, it handles reverse mortgages and property appraisals.

License Verified:

License: 1812241

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 (36)
Yelp
5.0 / 5 (23)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Summit Home & Lending logo
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License Verified:

License: 932287

Nationwide Multistate Licensing System and Registry

Summit Home & Lending

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21364 Tennyson Rd, Moreno Valley, CA 92557
  • New Construction

Business Description

Summit Home & Lending caters to individuals and families in Rialto and the surrounding areas. It provides clients with mortgage solutions that meet their needs, including purchasing a new home or rental property, lowering monthly payments, reducing interest rates, cashing out equity for home improvement projects, and debt consolidation. It offers a variety of loans such as VA, jumbo, conventional, FHA 203(k), and adjustable rate mortgages. Summit Home & Loan collaborates with more than 50 different lending institutions.

License Verified:

License: 932287

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
Google
4.0 / 5 (4)

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.