Mortgage Loans
Purchase, refinance, FHA, VA, conventional, jumbo and self-employed programs — matched to your actual numbers.
View Mortgage Loans Mortgage Loans • Real Estate • Reverse Mortgages
Helping Southern California families buy, sell, refinance & plan for retirement
Serving Fontana, Rancho Cucamonga, the Inland Empire, and surrounding communities. One dual-licensed advisor — Patti McCormick — California Real Estate Broker | Mortgage Broker | REALTOR® — for both your loan and your home.
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.
Dual licensed
Individual DRE #01477745 | Individual NMLS #244111
Same-day
Pre-approvals may be available once all required documents are received and reviewed
Direct line
You reach Patti, not a call center
Inland Empire
Fontana · Rancho Cucamonga · surrounding areas
A+ RatingBetter Business BureauGoogle ReviewsRead verified client reviews
A+ rated with the Better Business Bureau · Individual DRE #01477745 | Individual NMLS #244111
About Patti
One advisor for the loan and the home
I'm a California Real Estate Broker, Mortgage Broker and REALTOR®, so your financing and your transaction stay in sync from first call to closing.
Individual DRE #01477745 | Individual NMLS #244111
- Purchase loans, refinances, FHA, VA, conventional, jumbo, self-employed and reverse mortgages.
- Full buyer and seller representation — pricing, marketing and negotiation.
- Written cost breakdowns before you commit to anything.
- Prompt answers. You reach me directly.
Not sure where to start?
Start with a payment estimate, then request a consultation with Patti about your financing options. A consultation request is not a completed mortgage application or a pre-approval; those require a separate application and review.
Services
Everything you need for your next move
Financing and real estate services under one roof, so you are never the middleman between two companies.
Reverse Mortgages
Put your home equity to work, supplement retirement income, or explore a retirement home that fits your next chapter. Patti will help you understand your options, responsibilities and costs.
View Reverse Mortgages Buy a Home
Full buyer representation, from a strong pre-approval to a winning offer and a smooth closing.
View Buy a Home Sell a Home
Pricing strategy, prep, professional marketing and negotiation to net you the most from your sale.
View Sell a Home Search Homes
Tell me what you're looking for and I'll set up a personalized MLS search with alerts for new listings that match your criteria.
View Search Homes Mortgage Calculators
Estimate a payment, compare renting versus buying, and see what a refinance would actually save you.
View Mortgage Calculators Helping families throughout the Inland Empire buy, sell, refinance, and plan for retirement with honest guidance and personalized service.
The process
Four steps, no surprises
- 01
Talk it through
A short, no-pressure conversation about your goals, timeline, and budget — by phone, text, or in person.
- 02
Get pre-approved
A real pre-approval with your documents reviewed up front, so sellers take your offer seriously.
- 03
Find or list the home
I represent you on the real estate side too, which keeps the financing and the contract perfectly in sync.
- 04
Close with confidence
One point of contact through underwriting, appraisal, and signing. You always know what happens next.
Reviews
What clients say
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.
Common questions
Answers before you ask
The questions I get most often from buyers, sellers, and homeowners considering a refinance.
Can you handle both my loan and the home purchase?+
Yes. I am a licensed real estate broker and mortgage broker, so one person coordinates your financing, your offer, and your closing. I arrange mortgage financing through lenders rather than directly funding your loan.
How much do I need for a down payment?+
Often less than people expect. Conventional and FHA programs offer low-down-payment options, and VA and USDA programs offer reduced down payment requirements for eligible buyers. Down payment assistance programs may also be available depending on your income and location. Requirements vary by borrower and property.
What credit score do I need to buy a home?+
Many loan programs start in the low 600s, and FHA can go lower with compensating factors. If you are not there yet, I will give you a specific, written plan to get your score where it needs to be.
How long does pre-approval take?+
Same-day pre-approvals may be available once all required documentation has been received and reviewed. A full pre-approval, not a quick pre-qualification, is what makes your offer competitive.
What is a reverse mortgage and who is it for?+
A reverse mortgage may help eligible homeowners access part of their home equity, supplement retirement income, or purchase a new primary residence for retirement. FHA-insured Home Equity Conversion Mortgages (HECMs) require borrowers to be at least 62. Some proprietary reverse-mortgage programs may allow younger borrowers, depending on the program, lender, property and location. Eligible borrowers have no required monthly principal-and-interest payments while meeting loan obligations. You must continue paying property taxes and homeowners insurance, maintaining the home, and meeting occupancy and other loan requirements. Interest and fees accrue, so the loan balance generally increases and remaining equity may decrease. Repayment is required when a maturity event occurs, such as the last borrower permanently leaving the home or passing away, subject to applicable protections and loan terms. Selling the home or failing to meet loan obligations can also make the loan due. I will help you understand the benefits, costs and trade-offs before you decide.
Equal Housing Opportunity. First Choice Mortgage & Real Estate does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Individual DRE #01477745 | Individual NMLS #244111. This is not a commitment to lend; all loans subject to credit approval and property appraisal.
Let's talk about your next move.
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.