Expertise.com

Best Mortgage Brokers in Upland

2024

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Providers

Last updated:

Website
305 N. Second Ave. Suite 164, Upland, CA 91786
  • Reverse Mortgages

Why choose this provider?

Crown Castle Mortgage Realty caters to clients in Upland. Its team of professionals—who share over 60 years of combined experience—is well-versed in discussing a variety of loan options, including FHA, jumbo, and conventional mortgages. The company has been in business for over two decades and also provides refinance loans with 10-, 15-, 20-, 25-, and 30-year fixed-rate terms. In addition, its real estate agent, Patricia Espinoza, renders rental management services, offering a decade of experience handling residential properties.

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

Website
2335 Foothill Blvd. #5, Upland, CA 91786
  • New Construction

Why choose this provider?

Tri-Star Home Loans deals with clients throughout Upland. The company offers mortgage options like USDA, FHA, and VA loans. It also provides jumbo mortgages for clients seeking to acquire properties in high-cost communities. The company addresses concerns of aspiring homeowners on matters involving the mortgage application process, including credit scores and debt-to-income ratios. It maintains a blog that helps readers make sense of a range of topics, from the home inspection process to current housing market trends.

License Verified:

License: 299844

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 (30)
Google
5.0 / 5 (13)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9045 Haven Ave. Ste 106, Rancho Cucamonga, CA 91730
  • Refinance

Why choose this provider?

New Beginnings Mortgage caters to residents in and around Upland who need a variety of loan brokerage services. The crew's purchase options are fit for buyers of single-family, multi-family, and condominium units. It refinances current obligations to take advantage of less burdensome rates that arise after an original debt. Web-based tools are also available to educate individuals on the home purchase process. New Beginnings Mortgage avoids cookie-cutter solutions and prefers individualized plans for its clients.

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)

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

Website
121 S Mountain Ave, Upland, CA 91786
  • Refinance

Why choose this provider?

Champions Mortgage is a locally owned and operated brokerage firm that serves individuals and families in Upland and the surrounding areas. It arranges a variety of home loan solutions from the California Housing Finance Agency, including conventional, FHA, USDA, and VA loans. It also assists with down payment assistance programs and reverse mortgages. In addition, the firm provides different types of home loan refinance programs. The professionals of Champions Mortgage have more than five decades of combined mortgage experience.

License Verified:

License: 2070312

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

Website
3602 Inland Empire Boulevard # B205, Ontario, CA 91764
  • New Construction

Why choose this provider?

JB Mortgage Team offers a variety of financial options to Upland residents. It assists borrowers looking for FHA, VA, USDA, jumbo, fixed, and adjustable-rate mortgages. It also offers refinancing options for homeowners who want to switch from an ARM to an FRM, those who want lower interest rates, and clients who want cash from their equity. Julian Bustamante, the company's lead advisor, has years of experience working for one of the largest direct lenders, Finance of America Mortgage.

License Verified:

License: 14122

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 (60)

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

Website
1241 E. 16th St., Upland, CA 91784
  • Purchase
  • Jumbo
  • Conventional
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Steve Lazerson responds to the mortgage needs of individuals and families in Upland. He provides a wide selection of mortgage products, including commercial, construction, conventional, jumbo, private money, and home equity loans. He also processes bank statements, foreign national, FHA, USDA, VA, and reverse mortgage loans. Steve Lazerson works at Peak Finance Company and has been in the industry for more than 31 years.

License Verified:

License: 323900

Nationwide Multistate Licensing System and Registry

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

Website
1041 E 16th St. Suite D, Upland, CA 91784
  • Refinance

Why choose this provider?

Bayport Financial is an Upland-based mortgage brokerage firm that serves individuals and families in the metro and the surrounding communities. The company assists clients in purchasing their dream homes through various loan solutions. In addition, it offers mortgage refinancing for those who want to reduce their interest rates and get lower monthly payments. Bayport Financial also provides the option to cash out home equity. It has been in the home lending industry for more than three decades.

License Verified:

License: 236823

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
Zillow
5.0 / 5 (54)
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (4)

(+1 additional source)

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

Website
9329 Mariposa Rd, Suite 110, Hesperia, CA 92344
  • Refinance
  • New Construction

Why choose this provider?

Team TLC Lending is a group of loan originators affiliated with Paramount Residential Mortgage Group that caters to clients in the Upland metro and the surrounding communities. It offers bank statement, conventional, down-payment assistance, jumbo, FHA, and VA mortgages, helping customers purchase their dream homes. The firm also provides investor solution loans for individuals who own investment homes. Lisa Brown, one of the loan partners, brings more than 20 years of experience in the mortgage industry.

License Verified:

License: 1015990

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.
4.4
Google
5.0 / 5 (7)

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

    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.