Conventional Loans
Low-down-payment options for qualified buyers. Often a good fit when your credit is solid and you want flexibility on mortgage insurance.
Ask About This Program Mortgage Brokerage
A loan program chosen for your situation, not the lender's convenience
I compare programs side by side and show you the real monthly payment, the cash to close, and the trade-offs — before you commit to anything.
First Choice Mortgage & Real Estate, DBA of First Choice Mortgage Inc. Corporate DRE #01494531 | Company NMLS #245058.
Patti McCormick — licensed as Patricia Luise McCormick. Individual DRE #01477745 | Individual NMLS #244111.
Main office of record, as listed with the California Department of Real Estate (individual license #01477745): 9431 Haven Ave, Ste 523, Rancho Cucamonga, CA 91730.
Loan programs
Financing for nearly every borrower
Whether you're buying your first home, moving up, investing, or refinancing what you already own, there's a structure that fits.
FHA Loans
A low-down-payment program with more flexible credit guidelines. A strong option for first-time buyers or anyone rebuilding credit.
Ask About This Program VA Loans
A home loan benefit for eligible veterans, active-duty service members and surviving spouses, with reduced down payment requirements and no monthly mortgage insurance.
Ask About This Program Jumbo Loans
Financing above conforming limits for higher-priced homes, with options for a range of borrower profiles.
Ask About This Program Self-Employed & Bank Statement
Programs that qualify you on deposits or assets when your tax returns don't reflect your real income.
Ask About This Program Refinancing
Explore options to adjust your rate or term, remove mortgage insurance, or access equity for renovations and debt consolidation.
Ask About This Program Down Payment Assistance (DPA)
Explore programs that may help qualified homebuyers with down payment and closing costs.
Ask About This Program FHA 203(k) Renovation Loans
Purchase or refinance a home while financing eligible repairs and improvements.
Ask About This Program DSCR Investment Loans
Financing for eligible rental properties using property cash flow rather than traditional personal income qualification.
Ask About This Program HELOCs & Second Mortgages
Access available home equity for renovations, debt consolidation, or other financial needs, subject to qualification.
Ask About This Program USDA Home Loans
Low- or no-down-payment options for eligible buyers and properties in qualifying areas.
Ask About This Program Reverse Mortgage for Purchase
Explore purchasing a retirement home as your primary residence with HECM for Purchase for eligible buyers age 62 or older, or an available proprietary program that may allow younger buyers. Eligible borrowers have no required monthly principal-and-interest payments while meeting loan obligations. Buyers generally need a substantial down payment or investment of their own funds, plus applicable closing costs; the amount varies based on age, property value, interest rates and program requirements. Taxes, insurance, maintenance and other loan requirements continue; interest and fees accrue, the balance generally increases, and repayment is required at a maturity event, subject to applicable protections and loan terms.
Ask About This Program What to expect
How the loan process works
- Application and document review — often the same day, depending on when complete documents are received.
- Written pre-approval letter you can attach to an offer.
- Rate lock discussion, including how long you need and what it costs.
- Processing, appraisal and underwriting with weekly status updates.
- Final loan disclosure reviewed line by line before you sign.
- Signing and funding, coordinated with your escrow or closing attorney.
Know your payment first
Before you tour a single home, run your numbers. The calculators give you a realistic monthly payment including taxes and insurance, not just principal and interest.
Request a consultation about pre-approval; this is not a completed mortgage application.
First Choice Mortgage & Real Estate, DBA of First Choice Mortgage Inc. Corporate DRE #01494531 | Company NMLS #245058.
Patti McCormick — licensed as Patricia Luise McCormick. Individual DRE #01477745 | Individual NMLS #244111.
Main office of record, as listed with the California Department of Real Estate (individual license #01477745): 9431 Haven Ave, Ste 523, Rancho Cucamonga, CA 91730.
Questions
Mortgage FAQs
What documents do I need to apply?+
Typically two years of W-2s or tax returns, 30 days of pay stubs, two months of bank statements, and a photo ID. Self-employed borrowers may need business returns or bank statements instead.
How is a pre-approval different from a pre-qualification?+
A pre-qualification is an estimate based on what you tell me. A pre-approval means I have reviewed your actual income, assets and credit. Sellers treat those very differently when reviewing offers.
Should I pay points to buy down my rate?+
Only if you will keep the loan long enough to break even. I will show you the exact break-even month in writing so the decision is arithmetic, not a sales pitch.
How long does a purchase loan take to close?+
Most purchase loans close in 21 to 30 days when documents come in promptly. Refinances usually take 30 to 45 days.
Service area
Where I work
Serving Fontana, Rancho Cucamonga, the Inland Empire, and surrounding communities.
- Fontana, CA
- Rancho Cucamonga, CA
- Ontario, CA
- Upland, CA
- Rialto, CA
- Chino, CA
- Chino Hills, CA
- Claremont, CA
- Corona, CA
- Riverside, CA
- San Bernardino, CA
- Redlands, CA
- Eastvale, CA
- Yucaipa, CA
Office at 9431 Haven Ave, Rancho Cucamonga, CA 91730. Don't see your city? Call (909) 910-2634 — I arrange mortgage financing throughout California.
Ready to see what you qualify for?
Every situation is different. Tell me what you're planning and I'll map out the numbers, the timing, and the options — with no pressure.
First Choice Mortgage & Real Estate, DBA of First Choice Mortgage Inc. Corporate DRE #01494531 | Company NMLS #245058.
Patti McCormick — licensed as Patricia Luise McCormick. Individual DRE #01477745 | Individual NMLS #244111.
Main office of record, as listed with the California Department of Real Estate (individual license #01477745): 9431 Haven Ave, Ste 523, Rancho Cucamonga, CA 91730.