Best Mortgage Brokers in San Bernardino

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Last updated: September 28, 2022

Affordable Home Loans Inc.

370 West 6th Street, San Bernardino, CA 92401

Refinance
Reverse Mortgages

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.

Arrowhead Mortgage

225 West Hospitality Lane, San Bernardino, CA 92408

Refinance
Reverse Mortgages
Purchase Transactions

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.

Atlas Crown Financial, Inc.

1998 Orange Tree Ln, Redlands, CA 92374

Refinance

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.

Bobadilla Finance Team

28200 California 189, Lake Arrowhead, CA 92352

Refinance

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.

Choice Lending Corp - Victorville

12640 Hesperia Road, Victorville, CA 92395

Refinance

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.

Citrus Heights Mortgage

300 East State Street, Redlands, CA 92373

Refinance
Purchase Transactions

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.

Dustin Bingaman

1425 West Lugonia Avenue, Redlands, CA 92374

New Construction

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.

Happy Investments, Inc.

1307 West 6th Street, Corona, CA 92882

Refinance
Commercial Loans

Happy Investments, Inc., located in Corona is a mortgage brokerage and lending company servicing San Bernardino and surrounding areas. Established in 2005, it provides real estate loans such as private hard money, commercial and residential real estate, fix and flip rehab construction, vacant lot land, and home equity. It also offers business loans including unsecured, working capital, merchant cash advances, small business, equipment financing, and startup and acquisition. The Happy Investments, Inc. team has over 20 years of combined real estate experience in the loan business.

Inland home mortgage

1003 East Cooley Drive, Colton, CA 92324

Refinance

Inland Home Mortgage is a mortgage brokerage firm that provides services to homeowners and homebuyers looking to purchase or refinance homes in the San Bernardino area and its surrounding communities. It offers different mortgage rate options, such as graduated payments, interest-only, adjustable-rate, and fixed-rate mortgages. Its loan program options include USDA, VA, FHA, and jumbo loans. Inland Home Mortgage employs the Loanzify app, which guides clients in the mortgage financing process and directly connects them to a loan officer and Realtor.

John Winters

1447 Ford Street, Redlands, CA 92374

Refinance

“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.”

My Mortgage Group

42672 Moonridge Road, Big Bear Lake, CA 92315

Refinance

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.

Paramount Residential Mortgage Group, Inc.

27215 California 189, Lake Arrowhead, CA 92317

New Construction
Refinance

Paramount Residential Mortgage Group, Inc. is a professional firm that offers home loan services to clients in San Bernardino. This technology-based and privately-held company has been in the industry for over a decade, helping clients with home purchases and refinancing plans. If applicable, it proposes loan options which include FHA, VA, and conventional loans. It also provides loan services to clients with renovation plans. Additionally, it provides jumbo and non-QM mortgage solutions. One of its clients recommended its specialist as respectful in giving step-by-step advice.

Paramount Residential Mortgage Group, Inc.

7843 Church St, Highland, CA 92346

Refinance

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.

Reverse Mortgage California

9125 Archibald Avenue, Rancho Cucamonga, CA 91730

Reverse Mortgages

Reverse Mortgage California is a specialized mortgage company that exclusively caters to the financial needs of senior citizens in San Bernardino. It works with elderly individuals and couples to help them maximize their retirement benefits with the help of reverse mortgage plans. The mortgage professionals at this company provide basic reverse mortgage options, including proprietary reverse mortgage and home equity conversion mortgage. They also conduct counseling to assess clients' financial situations. Reverse Mortgage California is a certified Equal Housing Lender.

Sunnie Baltes

300 East State Street, Redlands, CA 92373

Refinance
Purchase Transactions

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.

Vesta Financial Capital

635 N La Cadena Dr Colton, CA 92324, Colton, CA 92324

Refinance

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.

Viewpoint Financial

127 East State Street, Redlands, CA 92373

Reverse Mortgages

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.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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