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Best Mortgage Refinance Companies in Fontana, CA

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Fontana mortgage refinance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

120Reviewed

76Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3190 Shelby Street Ste A2, Ontario, CA 91764
WebsiteLicense: 1105497

Expertise.com Rating

Review Sources

Google
4.6 (21)
Yelp
3.0 (4)

Why choose this provider?

Statewide Funding Inc. is a privately held mortgage banker that has been offering loans to homeowners in Fontana since 2013. It offers refinance loans to single-family, multi-family, condominiums, townhouses, and manufactured homes to help homeowners obtain lower monthly payments, shorter terms, or get cash from equity. The company, which has over 100 loan officers in various branches, also offers FHA, VA, USDA, reverse, home equity, and non-QM loans. In addition, commercial, private, and hard money loans are available.

  • New Construction

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

Expertise.com Rating

Review Sources

Google
4.9 (64)

Why choose this provider?

Best Option Mortgage helps residents of Fontana lower their interest rates and reduce the terms of their mortgages through refinancing. The mortgage bank provides a flexible mortgage process to present loan options and rates tailored to clients' needs and financial circumstances. Its loan officers have more than 55 years of combined industry experience and work with first-time buyers and real estate veterans. They focus on mortgage loans, which means fast turnaround times for clients looking to purchase or refinance their homes.

  • Reverse Mortgages

188 D St., Upland, CA 91786
WebsiteLicense: 390767

Expertise.com Rating

Review Sources

Yelp
4.8 (73)
Google
4.9 (65)
Facebook
4.9 (53)

Why choose this provider?

TDR Mortgage & Real Estate Group handles the needs of home buyers, sellers, and owners in Fontana and the surrounding locations. The company offers clients various loan options, including home refinance. Its home refinance process includes completing a refinance analysis, getting options according to clients' specific scenarios and criteria, comparing mortgage interest rates and terms, and selecting the most suitable program. Its loan officers also help clients with federal housing administration loans, fixed-rate mortgages, adjustable-rate mortgages, and conforming loans. Teresa Tims has been operating the company since 1998.

  • Reverse Mortgages

9327 Fairway View Place, Rancho Cucamonga, CA 91730
WebsiteLicense: 155795

Expertise.com Rating

Review Sources

Facebook
5.0 (77)
Google
4.1 (13)
Yelp
5.0 (13)

Why choose this provider?

Integrity Home Finance caters to the mortgage needs of residents in Fontana and the surrounding areas. It helps borrowers who are considering refinancing their existing mortgage to reduce interest rates, cash out the equity, or consolidate debt. The professionals assist clients in accomplishing the refinancing process, starting from home appraisal and income verification to application and closing. Integrity Home Finance is part of Golden Empire Mortgage, which has been serving clients for more than 30 years.

  • New Construction

9045 Haven Ave., Rancho Cucamonga, CA 91730
WebsiteLicense: 1050562

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (18)

Why choose this provider?

New Beginnings Mortgage delivers loan and refinancing products to locals in Fontana. The company's purchase options are aimed at individuals who are in the market for single and multi-family properties intended for principal residency or investment. The programs include fixed and adjustable rate mortgages for first-time borrowers and those with existing debts that need to be refinanced. New Beginnings Mortgage maintains a blog that is updated weekly with articles discussing the ins and outs of buying houses.

  • Reverse Mortgages

4345 E Lowell St #N,, Ontario, CA 91761
WebsiteLicense: 1625398

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
5.0 (2)

Why choose this provider?

Firm Foundation Finance Inc caters to residents in Fontana. It assists clients looking to refinance their mortgages to get a lower interest rate and receive cash out for beg events or to pay off college funds. It also has various options for first-time home buyers. Firm Foundation Finance offers multiple loan types, including conforming, jumbo, HA, VA, and reverse mortgages. Down Payment Assistance loans are available. The company is headed by Karen, a mortgage broker with over a decade of experience.

  • New Construction

3595-1 Inland Empire Blvd Ste 1240, Ontario, CA 91764
WebsiteLicense: 289398

Expertise.com Rating

Review Sources

Google
4.9 (46)
Facebook
5.0 (45)
Yelp
5.0 (40)

Why choose this provider?

Adam Tice is a loan originator for Mark 1 Mortgage. He guides homeowners in and around the Fontana metro through the process of refinancing their existing loans for cash-out or lower interest purposes. Conventional, jumbo, construction, VA, FHA, and private money lending programs are among the available options. Adam’s clients include first-time mortgagors, move-up buyers, and property investors. He works with an eye for communication and keeps customers informed on the status of their loan applications.

  • Reverse Mortgages

4141 Inland Empire Blvd., Ontario, CA 91746
WebsiteLicense: 1156766

Expertise.com Rating

Review Sources

Google
3.8 (10)

Why choose this provider?

Pacific Lending is a direct lender that provides mortgage refinance to homeowners in Fontana and nearby areas. The company guides clients in navigating the lending process and assists them in creating solutions to reduce monthly payments, loan terms, and interest rates that suit their needs. It provides various mortgage programs, such as reverse, non-conforming, jumbo, FHA, USDA, and VA loans. More than 10,000 people have benefited from Pacific Lending's assistance in reaching their financial objectives.

  • Reverse Mortgages

1945 Chicago, Ave, Suite B, Riverside, CA 92507
WebsiteLicense: 246610

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Spectrum Capital Group facilitates refinancing programs to serve the loan needs of homeowners in Fontana. Led by the husband-and-wife team of Philip and Sarah Saucedo, its staff assists borrowers in refinancing existing mortgages and guides them throughout the application process. The Saucedos and their staff compare and pick better rates, assist with property valuation, and create customized solutions to cash out equities or lower interest rates. Philip and Sarah have been serving the community for over 20 years.

9431 Haven Ave Ste. 232, Rancho Cucamonga, CA 91730
WebsiteLicense: 354667

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Steve Chavarria is a mortgage broker who helps individuals and families in Fontana with their home purchases. He offers both conventional and government-back loans and assists his clients from the mortgage planning stage to the loan approval process. Chavarria aims to provide a transparent service by utilizing a presentation analysis tool where clients can see various mortgage options and the broker's advice. The agent has been in the mortgage industry for more than 17 years.

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

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (16)

Why choose this provider?

Loans by Brad is a Fontana-based company that provides personalized mortgage solutions to individuals who aim to refinance their existing loans. It assesses clients' financial needs and formulates a mortgage refinancing program that can help pay off their existing loans. It helps reduce interest rates and monthly payments or changes the length of the term of the existing mortgage loan. The branch manager, Brad Bennett, has been providing mortgage lending programs for over 30 years.

  • New Construction

3155 Sedona Court Suite C #2, Ontario, CA 91764
WebsiteLicense: 1378789

Expertise.com Rating

Review Sources

Facebook
4.9 (39)
Google
4.0 (4)

Why choose this provider?

Fund Rite Mortgage addresses the home loan needs of first-time homeowners and seasoned veterans in Fontana and its nearby communities. The company offers a variety of mortgage refinance options, such as adjustable ARM, jumbo, VA, fixed rate, FHA, and USDA. Its team of loan officers helps first-time home buyers in the process of home purchasing and selling, including comparing rates from various lenders and advising them in choosing the loan program based on their needs.

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Statewide Funding Inc.
3190 Shelby Street Ste A2, Ontario, CA 91764
Best Option Mortgage
8280 Aspen St., Rancho Cucamonga, CA 91730
TDR Mortgage
188 D St., Upland, CA 91786
Integrity Home Finance
9327 Fairway View Place, Rancho Cucamonga, CA 91730
New Beginnings Mortgage
9045 Haven Ave., Rancho Cucamonga, CA 91730
Firm Foundation Finance Inc
4345 E Lowell St #N,, Ontario, CA 91761
Adam Tice
3595-1 Inland Empire Blvd Ste 1240, Ontario, CA 91764
Pacific Lending
4141 Inland Empire Blvd., Ontario, CA 91746
Spectrum Capital Group
1945 Chicago, Ave, Suite B, Riverside, CA 92507
Steve Chavarria
9431 Haven Ave Ste. 232, Rancho Cucamonga, CA 91730
Loans by Brad
9267 Haven Ave. #270, Rancho Cucamonga, CA 91730
Fund Rite Mortgage
3155 Sedona Court Suite C #2, Ontario, CA 91764

Fontana, CA Mortgage Refinance FAQs

  • What are the types of refinance loans in Fontana?

    Rate and term is a type of refinancing that allows Fontana homebuyers to lower rates on their loans or change the program from an adjustable-rate mortgage to a fixed-rate one or vice versa. Cash-out refinance is an option for borrowers seeking to secure lower interest rates and withdraw equity if their properties are worth more than their current mortgages. Clients who want to obtain cash for home remodeling projects can also avail of this type of refinancing.

  • How can homeowners in Fontana qualify for mortgage refinancing?

    Fontana homeowners must meet certain requirements to avail of mortgage refinancing, such as verification of assets and income. They should provide financial documents, like bank statements, recent pay stubs, and tax returns. Having credit scores of 580 to 620 enables borrowers to secure more favorable interest rates. A low debt-to-income ratio allows lenders to determine individuals’ ability to pay back their mortgage. Having home equity also increases clients’ chances of qualifying for refinancing.

  • What expenses should people expect when purchasing homes in Fontana?

    People in Fontana should consider home inspection expenses. This process allows buyers to determine the state of the houses and potential problems with the properties before closing the deal. Other types of mortgages, such as VA-backed loans, also require additional tests to help discover issues, like termite and mold infestation, prior to moving in. Clients also need to budget for closing costs, which vary based on the location and value of homes.

  • How can people in Fontana save money with mortgage refinancing?

    Homeowners in Fontana seeking to save money should work with mortgage companies with various refinancing programs and check them through the California Department of Real Estate. They should inform home loan officers when they prefer rates to be locked in, during the application process, or when the refinance is ready to close. Borrowers should also consult officers on how to structure home loans to their benefit.

  • Can refinancing affect the monthly payments of clients in Fontana?

    Yes, refinancing can affect the monthly payments of borrowers in Fontana. If clients refinance to a lower annual percentage rate and keep the same terms, their monthly payments will decrease, but they will pay more interest over time. If homebuyers refinance to a shorter term, their monthly payments will increase, but they will own their homes sooner.