Expertise.com

2024

Last updated:

Best Mortgage Brokers in San Bernardino, CA

Our Recommended Top 13

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

65Reviewed

44Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

42672 Moonridge Road, Big Bear Lake, CA 92315
WebsiteLicense: 1608807

Expertise.com Rating

Review Sources

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

Why choose this provider?

My Mortgage Group is a mortgage broker that serves clients in San Bernardino and the Inland Empire. It offers a wide range of mortgage loan options for home buyers, homeowners, and real estate investors, including conventional, jumbo, high balance, FHA, VA, and USDA loans. The company has 15 years of mortgage experience, and it is continuously adapting to market developments. With the financial interests of her clients in mind, founder Mary Mattingly also maintains an office in Big Bear.

  • Refinance

1425 West Lugonia Avenue, Redlands, CA 92374
WebsiteLicense: 326264

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Yelp
5.0 (10)

Why choose this provider?

Dustin Bingaman is a mortgage broker affiliated with Arrowhead Capital Mortgage that serves San Bernardino and the surrounding areas. He offers a variety of options for homebuyers and refinancers such as first-time homebuyer loans, conventional loans, VA loans, FHA loans, second mortgages, and jumbo loans. Dustin also offers reverse mortgage services for senior citizens looking to get some cash out of their home equity. A reverse mortgage allows clients to have some additional cash income on top of their retirement benefits.

  • New Construction

300 East State Street, Redlands, CA 92373
WebsiteLicense: 1185507

Expertise.com Rating

Review Sources

Google
5.0 (16)
Zillow
5.0 (7)
Facebook
5.0 (1)

Why choose this provider?

Ana Cervantes is a mortgage broker who owns Citrus Heights Mortgage. Serving San Bernardino and its nearby communities, Ana carries a selection of loan programs, including jumbo, FHA, VA, and USDA loans. She informs her clients about their mortgage rate options, such as graduated payment, fixed-rate, and adjustable-rate mortgages, and walks them through the home purchase or refinancing process. Ana served as a senior mortgage consultant in United Empire Mortgage for 11 years before she established the company in 2014.

  • Refinance
  • Purchase Transactions

635 N La Cadena Dr Colton, CA 92324, Colton, CA 92324
WebsiteLicense: 307470

Expertise.com Rating

Review Sources

Yelp
1.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Vesta Financial Capital is a family-owned real estate and home loan company serving San Bernardino. Since 2004, it has been assisting clients with mortgage processes for different types of home loans such as VA, FHA, USDA, and conventional. Its team of professionals works with multiple financial partners to find a lender based on clients' needs. The company's website provides a residential loan application form where clients can indicate their purposes like refinancing, home purchase, or construction. Moreover, it handles real estate and investment matters.

  • Refinance

225 West Hospitality Lane, San Bernardino, CA 92408
WebsiteLicense: 1429245

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Arrowhead Mortgage is a mortgage broker firm serving clients in San Bernardino. Its loan program options are FHA, VA, Jumbo, and USDA. The company offers different mortgage rate options, including adjustable-rate, fixed-rate, interest-only, and graduated payments. Its mortgage professionals also offer comprehensive assistance to homeowners who want to refinance their homes to lower interest rates, monthly payments, and DTI. Reverse mortgage products are also available. Their website has interactive calculators to help clients evaluate different financing options.

  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

127 East State Street, Redlands, CA 92373
WebsiteLicense: 1704379

Expertise.com Rating

Review Sources

Google
5.0 (64)

Why choose this provider?

Established in 1991, Viewpoint Financial is a mortgage broker firm serving the residents in San Bernardino. Marvin Hudson, the company founder, has been in the mortgage brokerage industry since 1984. Setting a record of 107.7 billion in mortgage loan volume, Viewpoint Financial was recognized as the 2019 Fastest Closer by a nationwide wholesale lender. The company offers home financing services such as purchasing and refinancing, including conventional and government mortgage programs. Moreover, the firm is open for transactions with Spanish-speaking customers.

  • Reverse Mortgages

7843 Church St, Highland, CA 92346
WebsiteLicense: 1437692

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Paramount Residential Mortgage Group, Inc., is an independently owned mortgage lending company servicing San Bernardino. It offers a variety of loan options, such as FHA, VA, jumbo, non-QM, and reverse mortgages through its affiliation with Fannie Mae and Freddie Mac, as well as Ginnie Mae. It also assists clients who are planning to purchase or refinance a home with underwriting, in-house processing, and funding. The company started with a staff of only three individuals and now operates 150 branches and operation centers nationwide.

  • Refinance

300 East State Street, Redlands, CA 92373
WebsiteLicense: 999838

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (17)

Why choose this provider?

Sunnie Baltes is a mortgage lender serving San Bernardino and its surrounding communities. She assesses clients' situations in order to provide the solutions that suit their needs. The services she offers cover everything in the entire mortgage process, from finding the best options to closing the mortgage deal. Sunnie caters to first-time and even second-time home buyers. Moreover, she provides assistance to investment buyers, refinancing homeowners, and seniors who seek reverse mortgages.

  • Refinance
  • Purchase Transactions

1998 Orange Tree Ln, Redlands, CA 92374
WebsiteLicense: 1185031

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (3)

Why choose this provider?

California-based Atlas Crown Financial, Inc. is a mortgage company serving home buyers and owners in San Bernardino. The company offers different loan programs such as conventional, FHA, VA, and jumbo loans. It also provides fixed-rate products from 10 to 30 years per Frannie Mae or Freddie Mac guidelines. Dan Isham, the founder, together with seven of his loan officers and mortgage advisors, aims to assist clients by educating them with sound financial options and loan regulations through educated lending.

  • Refinance

1447 Ford Street, Redlands, CA 92374
WebsiteLicense: 1407148

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

“John Winters is a Movement Mortgage loan officer who offers personalized mortgage solutions in San Bernardino, Inland Empire and its surrounding areas. He specializes in the purchase and refinancing of homes, assisting clients throughout the entire mortgage application process, from initial inquiry to funding approval. He has half a decade of experience in studying how market behavior affects mortgage programs like FHA, Conventional, VA & Jumbo loans. He then incorporates this information in helping clients explore and find financing options that meet their needs.”

  • Refinance

28200 California 189, Lake Arrowhead, CA 92352
WebsiteLicense: 1660690

Expertise.com Rating

Review Sources

Google
5.0 (31)
Yelp
5.0 (13)

Why choose this provider?

Bobadilla Finance Team has been providing mortgage financing and refinancing services to Californians in San Bernardino and Lake Arrowhead for over 20 years. Its loan officers employ a "full-picture" approach, analyzing each clients' complete financial situation and customizing a plan that can allow them to achieve their short- and long-term financial goals quickly and conveniently. With the goal of fostering long-lasting business relationships, the team strives to prioritize its customers' best interest to earn their trust.

  • Refinance

12640 Hesperia Road, Victorville, CA 92395
WebsiteLicense: 236563

Expertise.com Rating

Review Sources

Yelp
4.0 (24)
Google
4.4 (14)
Facebook
4.7 (7)

Why choose this provider?

Choice Lending Corp. offers mortgage products and solutions to clients in and near its Victorville location, including San Bernardino. Its loan officers assist clients in the loan application or mortgage refinancing process from start to finish, going in-depth on what documents are needed and what mortgage products fit the client's needs. Choice Lending Corp. also offers reverse mortgages for senior citizens, a mortgage product that allows them to buy a new home without selling their current property.

  • Refinance

370 West 6th Street, San Bernardino, CA 92401
WebsiteLicense: 288724

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Affordable Home Loans Inc. is a home refinance and loan company based in San Bernardino. Its team of mortgage brokers has more than 70 years of combined experience in the industry. They provide services such as conventional, FHA, VA, and refinance options. For clients 62 years and older, they have reverse mortgage loans that pay off existing mortgages and convert home equity to a credit line. Affordable Home Loans also caters to the residents of Riverside County and Inland Empire.

  • Refinance
  • Reverse Mortgages

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
My Mortgage Group
42672 Moonridge Road, Big Bear Lake, CA 92315
Dustin Bingaman
1425 West Lugonia Avenue, Redlands, CA 92374
Citrus Heights Mortgage
300 East State Street, Redlands, CA 92373
Vesta Financial Capital
635 N La Cadena Dr Colton, CA 92324, Colton, CA 92324
Arrowhead Mortgage
225 West Hospitality Lane, San Bernardino, CA 92408
Viewpoint Financial
127 East State Street, Redlands, CA 92373
Paramount Residential Mortgage Group, Inc.
7843 Church St, Highland, CA 92346
Sunnie Baltes
300 East State Street, Redlands, CA 92373
Atlas Crown Financial, Inc.
1998 Orange Tree Ln, Redlands, CA 92374
John Winters
1447 Ford Street, Redlands, CA 92374
Bobadilla Finance Team
28200 California 189, Lake Arrowhead, CA 92352
Choice Lending Corp - Victorville
12640 Hesperia Road, Victorville, CA 92395
Affordable Home Loans Inc.
370 West 6th Street, San Bernardino, CA 92401

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.