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Best Mortgage Refinance Companies in Rancho Cucamonga, CA

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored Rancho Cucamonga 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.

104Reviewed

67Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17785 Sky Park Circle, Ste E,, Irvine, CA 92614
WebsiteLicense: 1879867

Expertise.com Rating

Review Sources

Google
4.9 (44)
Facebook
5.0 (5)

Why choose this provider?

LendingXpress is a firm offering mortgage refinancing solutions for residential and commercial real estate to Rancho Cucamonga clients. Its team identifies and structures loan programs that fit clients' situations and goals. Some of its programs include hard money, fix and flip, and construction. Cash out, bridge, and customized options are also available for borrowers who are not qualified for traditional funding. LendingXpress provides mortgage and home tips to help clients make smart decisions.

  • New Construction
  • Reverse Mortgages

1111 E Katella Ave., Suite 210, Orange, CA 92867
WebsiteLicense: 71127

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

Upfront Home Loans caters to residents of Rancho Cucamonga in need of mortgage and refinancing services. The team has home purchase loans with fixed and adjustable rates and terms ranging from five to 30 years in length. Products backed by the USDA and VA are available, and the company rearranges existing debts into less onerous obligations. Mortgage Loan Advisor Sergio Hernandez has been in the real estate game since 1994 and has experience dealing with reverse mortgages and jumbo loans.

  • New Construction

8270 Aspen St, Rancho Cucamonga, CA 91730
WebsiteLicense: 362312

Expertise.com Rating

Review Sources

Yelp
4.5 (53)
Google
4.4 (35)
Facebook
4.5 (31)

Why choose this provider?

ML Mortgage has refinancing options available for clients located in the Rancho Cucamonga area. Since 2007, it has been a brokerage that handles residential, and commercial financing, including construction. Its provides products like conventional, VA, FHA, and jumbo loans. Other resources such as the mortgage calculator and refinance loan checklist are also accessible on their online hub. Its team has a combined industry experience of more than 55 years. NMLS-registered, ML Mortgage is also licensed to conduct its business in 12 other US States.

9045 Haven Ave. Ste 106, Rancho Cucamonga, CA 91730
WebsiteLicense: 1050562

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (18)
Yelp
5.0 (6)

Why choose this provider?

New Beginnings Mortgage provides owners of Rancho Cucamonga with refinance loans. It has refinance programs for single-family, multi-family, condominiums, townhouses, and manufactured homes. The company helps homeowners get lower monthly payments, shorter terms, or get cash from equity. It also assists prospective homeowners who want to buy a property for the first time. The business owner hopes to give clients a piece of the American Dream of owning a home by scouting the best options from the different programs in the market.

  • New Construction

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

Expertise.com Rating

Review Sources

Facebook
5.0 (75)
Google
4.1 (13)
Yelp
5.0 (13)

Why choose this provider?

Integrity Home Finance is a Gem Mortgage branch serving clients in the Rancho Cucamonga metro. It offers financing options to support first-time buyers' dreams of home ownership, as well as eligible borrowers seeking to refinance their current loans to adjust terms or rates. Among the loan programs it provides are FHA, VA, jumbo, conventional, and fixed- and adjustable-rate mortgages. The types of property covered are single-family residences, townhouses, and high-rise condominiums. Gem Mortgage has been in the lending sector for over two decades.

  • New Construction

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

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (18)

Why choose this provider?

Brad Bennett is a branch manager for Edge Home Finance who caters to individuals and families throughout Rancho Cucamonga. He offers refinancing services to help clients lower their monthly payments and interest rates, modify their loan terms, and take cash out of their home's equity. He gives various options to customers based on their unique situations and needs after they submit a home refinance analysis request. These include fixed-rate mortgages, jumbo, VA, FHA, and USDA loans. Brad has more than 30 years of industry experience.

  • Reverse Mortgages

1003 East Cooley Drive Suite #202, Colton, CA 92324
WebsiteLicense: 1898624

Expertise.com Rating

Review Sources

Facebook
4.2 (8)

Why choose this provider?

Inland Home Mortgage Corp. is a lending firm that handles refinancing for customers located in the Rancho Cucamonga area and nearby metros. Its list of services covers single and multi-family properties, as well as manufactured homes, townhouses, and condominiums, for usages such as primary residences, vacation homes, or investment properties. Its refinancing programs include streamline and conventional cash-out for FHA and VA loans, as well as from bank statement loans to jumbo loans. Inland Home Mortgage also has Spanish-speaking personnel.

  • New Construction
  • Reverse Mortgages

136 1/2 S Glendora Ave Suite 1,, West Covina, CA 91790
WebsiteLicense: 293526

Expertise.com Rating

Review Sources

Google
4.9 (69)
Facebook
4.9 (26)

Why choose this provider?

Meridox Real Estate and Mortgage provides loan-related choices and services for applicants within Rancho Cucamonga. Its staff caters to first-time and experienced homebuyers, as well as those who seek to consolidate their debts and reduce their interest rates through refinancing. It employs a personalized approach by tailoring its options using details involving a client's financial status and comprehensive information concerning current market trends. Meridox is led by Linh Tran, who previously represented lenders and processed loans for institutional banks as an account executive.

  • New Construction

555 Corporate Dr. #215, Ladera Ranch, CA 92694
WebsiteLicense: 835555

Expertise.com Rating

Review Sources

Google
4.9 (1477)
Yelp
4.0 (228)
Facebook
4.7 (114)

Why choose this provider?

Ladera Lending offers mortgage refinancing programs for individuals and families in Rancho Cucamonga. Its refinance loan options include adjustable- and fixed-rate mortgages and jumbo, super jumbo, and conforming loans. It also offers USDA, VA, FHA, and five- to 30-year term loans. It serves the mortgage needs of a wide range of clients, including individual home buyers, home builders, and real estate professionals. Ladera Lending's site manager, Brian Spinuzzi, started his career in the mortgage industry in 1997.

  • Reverse Mortgages

12838 Central Ave, Chino, CA 91710
WebsiteLicense: 2427

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (17)
Yelp
4.5 (14)

Why choose this provider?

Golden Empire Mortgage serves families and individuals in Rancho Cucamonga. It helps homebuyers and investors develop refinancing strategies to maximize their monthly income, lower their mortgage payments, and change their loan terms. The agency also provides mortgage loan assistance to enable clients to acquire their dream residential properties. It processes a variety of special mortgage products, including VA, FHA, CalHFA, super jumbo, and hard or private money loans. Branch manager Eric Hasanoff is a multi-time member of the company's Elite Presidents Circle.

  • New Construction

3540 Howard Way, Costa Mesa, CA 92626
WebsiteLicense: 189421

Expertise.com Rating

Review Sources

Google
4.3 (694)
Facebook
4.0 (56)

Why choose this provider?

Sovereign Lending Group Incorporated has been serving clients in Rancho Cucamonga since 2005. It provides mortgage refinancing services to residential property owners who are looking to replace their existing home loans. It also offers FHA loans and debt consolidation. The company is a member of the Business Consumer Alliance and has been featured on Yahoo! Finance. Its manpower consists of over 200 team members that cater to the needs of working Americans, including firefighters, police officers, and veterans.

  • Reverse Mortgages

100 Spectrum Center Dr Ste 150, Irvine, CA 92618
WebsiteLicense: 1838

Expertise.com Rating

Why choose this provider?

Watermark Home Loans provides mortgage refinancing programs to residents of Rancho Cucamonga. It has been helping families achieve their homeownership goals since 2006. Its mortgage products include USDA, VA, FHA, jumbo, and conventional loans. It helps streamline the mortgage process through the Watermark Loan Hub, a software program that enables clients to process their applications and submit their documents online. Watermark Home Loans also allows borrowers 24/7 access to their loan information using their mobile devices.

  • Multi-Family Loans
  • Commercial Loans
  • New Construction

15338 Central Avenue, Chino, CA 91710
WebsiteLicense: 1672634

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (8)
Yelp
5.0 (3)

Why choose this provider?

Empire Mortgage Solutions serves Rancho Cucamonga clients. It deals with homeowners seeking to refinance their loans. Through assistance with the refinancing process, the company helps them fulfill a range of financial goals, from debt consolidation to reduced interest rates. It also offers a USDA loan program, a solution for clients looking to purchase properties in rural areas. Joe Lujan, one of the company's members, previously worked at firms like Countrywide Home Loans and Bank of America. He has over a decade of industry experience.

  • Commercial Loans

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
LendingXpress
17785 Sky Park Circle, Ste E,, Irvine, CA 92614
Upfront Home Loans
1111 E Katella Ave., Suite 210, Orange, CA 92867
ML Mortgage
8270 Aspen St, Rancho Cucamonga, CA 91730
New Beginnings Mortgage
9045 Haven Ave. Ste 106, Rancho Cucamonga, CA 91730
Integrity Home Finance
9327 Fairway View Place, Rancho Cucamonga, CA 91730
Brad Bennett
9267 Haven Ave. #270, Rancho Cucamonga, CA 91730
Inland Home Mortgage Corp
1003 East Cooley Drive Suite #202, Colton, CA 92324
Meridox Real Estate and Mortgage
136 1/2 S Glendora Ave Suite 1,, West Covina, CA 91790
Ladera Lending
555 Corporate Dr. #215, Ladera Ranch, CA 92694
Golden Empire Mortgage
12838 Central Ave, Chino, CA 91710
Sovereign Lending Group Incorporated
3540 Howard Way, Costa Mesa, CA 92626
Watermark Home Loans
100 Spectrum Center Dr Ste 150, Irvine, CA 92618
Empire Mortgage Solutions
15338 Central Avenue, Chino, CA 91710

Rancho Cucamonga, CA Mortgage Refinance FAQs

  • For Rancho Cucamonga residents, what documents are required for mortgage refinancing?

    You must give the lender in Rancho Cucamonga comprehensive proof of your financial situation in order to refinance a mortgage. It is best to prepare copies of checking and savings account statements, recent paycheck stubs, income tax returns, sales contracts, and social security numbers. After that, the lender will pull a credit report from a credit bureau and confirm the data you supplied on your loan application.

  • If you refinance in Rancho Cucamonga, can closing expenses be rolled into your loan?

    On a refinance program in Rancho Cucamonga, all of your expenses may be included in the loan amount. This has a few major exceptions, such as when you opt for a streamline refinance or when your equity is insufficient to cover these expenses. Performing a no-cost refinancing might then be beneficial in some instances.

  • What are the benefits of refinancing mortgages in Rancho Cucamonga?

    Refinancing is frequently utilized in Rancho Cucamonga to reduce interest rates. Paying off a balloon payment, changing an adjustable-rate loan to a fixed-rate loan, or taking cash out of your house's equity are some more frequent justifications for refinancing. Individuals who cash out typically use the funds for home improvements, college funds, or debt consolidation.

  • How might equity in an existing property be used to finance a new one in Rancho Cucamonga?

    In Rancho Cucamonga, there are various methods to leverage equity to purchase a new house, and the most popular methods for obtaining equity include trade equity, home equity lines of credit, second mortgages, and bridge loans. Each choice has a distinct effect on a person's credentials, and each option has a different price.

  • In Rancho Cucamonga, when is a good time to refinance?

    Mortgage refinancing for homeowners in Rancho Cucamonga is often advantageous when the mortgage rates are 2% below the borrower's existing rate. It might still be a beneficial option even if there is only a 1% or less interest rate difference because any decrease may also lower your monthly mortgage payments significantly.